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$1,840
−HK$116/mo
▼ 0.25% · 3.875%
HK$1,897
−HK$59/mo
Today · 4.125%
HK$1,956
baseline
▲ 0.50% · 4.625%
HK$2,075
+HK$119/mo
Deposit HK$404K · loan HK$404K · min. income ≈ HK$3,912/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,047
−HK$111/mo
▼ 0.25% · 3.875%
HK$2,102
−HK$56/mo
Today · 4.125%
HK$2,158
baseline
▲ 0.50% · 4.625%
HK$2,272
+HK$114/mo
Deposit HK$404K · loan HK$404K · min. income ≈ HK$4,316/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,208
−HK$139/mo
▼ 0.25% · 3.875%
HK$2,277
−HK$70/mo
Today · 4.125%
HK$2,347
baseline
▲ 0.50% · 4.625%
HK$2,490
+HK$143/mo
Deposit HK$323K · loan HK$484K · min. income ≈ HK$4,694/mo (50% DSR)
Upfront cash ≈ HK$323K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,457
−HK$132/mo
▼ 0.25% · 3.875%
HK$2,523
−HK$66/mo
Today · 4.125%
HK$2,589
baseline
▲ 0.50% · 4.625%
HK$2,726
+HK$137/mo
Deposit HK$323K · loan HK$484K · min. income ≈ HK$5,178/mo (50% DSR)
Upfront cash ≈ HK$323K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,576
−HK$162/mo
▼ 0.25% · 3.875%
HK$2,656
−HK$82/mo
Today · 4.125%
HK$2,738
baseline
▲ 0.50% · 4.625%
HK$2,904
+HK$166/mo
Deposit HK$242K · loan HK$565K · min. income ≈ HK$5,476/mo (50% DSR)
Upfront cash ≈ HK$242K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,866
−HK$155/mo
▼ 0.25% · 3.875%
HK$2,943
−HK$78/mo
Today · 4.125%
HK$3,021
baseline
▲ 0.50% · 4.625%
HK$3,180
+HK$159/mo
Deposit HK$242K · loan HK$565K · min. income ≈ HK$6,042/mo (50% DSR)
Upfront cash ≈ HK$242K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,312
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,415
−HK$105/mo
Today · 4.125%
HK$3,520
baseline
▲ 0.50% · 4.625%
HK$3,734
+HK$214/mo
Deposit HK$81K · loan HK$726K · min. income ≈ HK$7,040/mo (50% DSR)
Upfront cash ≈ HK$81K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,685
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,784
−HK$100/mo
Today · 4.125%
HK$3,884
baseline
▲ 0.50% · 4.625%
HK$4,089
+HK$205/mo
Deposit HK$81K · loan HK$726K · min. income ≈ HK$7,768/mo (50% DSR)
Upfront cash ≈ HK$81K (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).