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$2,488
−HK$156/mo
▼ 0.25% · 3.875%
HK$2,566
−HK$78/mo
Today · 4.125%
HK$2,644
baseline
▲ 0.50% · 4.625%
HK$2,805
+HK$161/mo
Deposit HK$546K · loan HK$546K · min. income ≈ HK$5,288/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,768
−HK$150/mo
▼ 0.25% · 3.875%
HK$2,842
−HK$76/mo
Today · 4.125%
HK$2,918
baseline
▲ 0.50% · 4.625%
HK$3,072
+HK$154/mo
Deposit HK$546K · loan HK$546K · min. income ≈ HK$5,836/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,986
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,079
−HK$94/mo
Today · 4.125%
HK$3,173
baseline
▲ 0.50% · 4.625%
HK$3,366
+HK$193/mo
Deposit HK$437K · loan HK$655K · min. income ≈ HK$6,346/mo (50% DSR)
Upfront cash ≈ HK$437K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,322
−HK$179/mo
▼ 0.25% · 3.875%
HK$3,411
−HK$90/mo
Today · 4.125%
HK$3,501
baseline
▲ 0.50% · 4.625%
HK$3,686
+HK$185/mo
Deposit HK$437K · loan HK$655K · min. income ≈ HK$7,002/mo (50% DSR)
Upfront cash ≈ HK$437K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,484
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,592
−HK$110/mo
Today · 4.125%
HK$3,702
baseline
▲ 0.50% · 4.625%
HK$3,927
+HK$225/mo
Deposit HK$327K · loan HK$764K · min. income ≈ HK$7,404/mo (50% DSR)
Upfront cash ≈ HK$327K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,876
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,979
−HK$106/mo
Today · 4.125%
HK$4,085
baseline
▲ 0.50% · 4.625%
HK$4,300
+HK$215/mo
Deposit HK$327K · loan HK$764K · min. income ≈ HK$8,170/mo (50% DSR)
Upfront cash ≈ HK$327K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,479
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,618
−HK$142/mo
Today · 4.125%
HK$4,760
baseline
▲ 0.50% · 4.625%
HK$5,050
+HK$290/mo
Deposit HK$109K · loan HK$982K · min. income ≈ HK$9,520/mo (50% DSR)
Upfront cash ≈ HK$109K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,983
−HK$269/mo
▼ 0.25% · 3.875%
HK$5,116
−HK$136/mo
Today · 4.125%
HK$5,252
baseline
▲ 0.50% · 4.625%
HK$5,529
+HK$277/mo
Deposit HK$109K · loan HK$982K · min. income ≈ HK$10,504/mo (50% DSR)
Upfront cash ≈ HK$109K (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).