The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$3,282
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,384
−HK$104/mo
Today · 4.125%
HK$3,488
baseline
▲ 0.50% · 4.625%
HK$3,700
+HK$212/mo
Deposit HK$720K · loan HK$720K · min. income ≈ HK$6,976/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,652
−HK$197/mo
▼ 0.25% · 3.875%
HK$3,749
−HK$100/mo
Today · 4.125%
HK$3,849
baseline
▲ 0.50% · 4.625%
HK$4,052
+HK$203/mo
Deposit HK$720K · loan HK$720K · min. income ≈ HK$7,698/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,939
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,061
−HK$125/mo
Today · 4.125%
HK$4,186
baseline
▲ 0.50% · 4.625%
HK$4,440
+HK$254/mo
Deposit HK$576K · loan HK$864K · min. income ≈ HK$8,372/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,382
−HK$237/mo
▼ 0.25% · 3.875%
HK$4,499
−HK$120/mo
Today · 4.125%
HK$4,619
baseline
▲ 0.50% · 4.625%
HK$4,862
+HK$243/mo
Deposit HK$576K · loan HK$864K · min. income ≈ HK$9,238/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,595
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,738
−HK$145/mo
Today · 4.125%
HK$4,883
baseline
▲ 0.50% · 4.625%
HK$5,181
+HK$298/mo
Deposit HK$432K · loan HK$1.01M · min. income ≈ HK$9,766/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,112
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,249
−HK$139/mo
Today · 4.125%
HK$5,388
baseline
▲ 0.50% · 4.625%
HK$5,672
+HK$284/mo
Deposit HK$432K · loan HK$1.01M · min. income ≈ HK$10,776/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,908
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,092
−HK$187/mo
Today · 4.125%
HK$6,279
baseline
▲ 0.50% · 4.625%
HK$6,661
+HK$382/mo
Deposit HK$144K · loan HK$1.30M · min. income ≈ HK$12,558/mo (50% DSR)
Upfront cash ≈ HK$144K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,573
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,749
−HK$179/mo
Today · 4.125%
HK$6,928
baseline
▲ 0.50% · 4.625%
HK$7,293
+HK$365/mo
Deposit HK$144K · loan HK$1.30M · min. income ≈ HK$13,856/mo (50% DSR)
Upfront cash ≈ HK$144K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).