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$2,087
−HK$131/mo
▼ 0.25% · 3.875%
HK$2,152
−HK$66/mo
Today · 4.125%
HK$2,218
baseline
▲ 0.50% · 4.625%
HK$2,353
+HK$135/mo
Deposit HK$458K · loan HK$458K · min. income ≈ HK$4,436/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,322
−HK$125/mo
▼ 0.25% · 3.875%
HK$2,384
−HK$63/mo
Today · 4.125%
HK$2,447
baseline
▲ 0.50% · 4.625%
HK$2,576
+HK$129/mo
Deposit HK$458K · loan HK$458K · min. income ≈ HK$4,894/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,504
−HK$157/mo
▼ 0.25% · 3.875%
HK$2,582
−HK$79/mo
Today · 4.125%
HK$2,661
baseline
▲ 0.50% · 4.625%
HK$2,823
+HK$162/mo
Deposit HK$366K · loan HK$549K · min. income ≈ HK$5,322/mo (50% DSR)
Upfront cash ≈ HK$366K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,786
−HK$150/mo
▼ 0.25% · 3.875%
HK$2,861
−HK$75/mo
Today · 4.125%
HK$2,936
baseline
▲ 0.50% · 4.625%
HK$3,091
+HK$155/mo
Deposit HK$366K · loan HK$549K · min. income ≈ HK$5,872/mo (50% DSR)
Upfront cash ≈ HK$366K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,921
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,012
−HK$93/mo
Today · 4.125%
HK$3,105
baseline
▲ 0.50% · 4.625%
HK$3,294
+HK$189/mo
Deposit HK$275K · loan HK$641K · min. income ≈ HK$6,210/mo (50% DSR)
Upfront cash ≈ HK$275K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,250
−HK$176/mo
▼ 0.25% · 3.875%
HK$3,337
−HK$89/mo
Today · 4.125%
HK$3,426
baseline
▲ 0.50% · 4.625%
HK$3,606
+HK$180/mo
Deposit HK$275K · loan HK$641K · min. income ≈ HK$6,852/mo (50% DSR)
Upfront cash ≈ HK$275K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,756
−HK$236/mo
▼ 0.25% · 3.875%
HK$3,873
−HK$119/mo
Today · 4.125%
HK$3,992
baseline
▲ 0.50% · 4.625%
HK$4,235
+HK$243/mo
Deposit HK$92K · loan HK$824K · min. income ≈ HK$7,984/mo (50% DSR)
Upfront cash ≈ HK$92K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,179
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,291
−HK$113/mo
Today · 4.125%
HK$4,404
baseline
▲ 0.50% · 4.625%
HK$4,637
+HK$233/mo
Deposit HK$92K · loan HK$824K · min. income ≈ HK$8,808/mo (50% DSR)
Upfront cash ≈ HK$92K (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).