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$2,234
−HK$140/mo
▼ 0.25% · 3.875%
HK$2,304
−HK$70/mo
Today · 4.125%
HK$2,374
baseline
▲ 0.50% · 4.625%
HK$2,519
+HK$145/mo
Deposit HK$490K · loan HK$490K · min. income ≈ HK$4,748/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,486
−HK$134/mo
▼ 0.25% · 3.875%
HK$2,552
−HK$68/mo
Today · 4.125%
HK$2,620
baseline
▲ 0.50% · 4.625%
HK$2,758
+HK$138/mo
Deposit HK$490K · loan HK$490K · min. income ≈ HK$5,240/mo (50% DSR)
Upfront cash ≈ HK$490K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,681
−HK$168/mo
▼ 0.25% · 3.875%
HK$2,764
−HK$85/mo
Today · 4.125%
HK$2,849
baseline
▲ 0.50% · 4.625%
HK$3,023
+HK$174/mo
Deposit HK$392K · loan HK$588K · min. income ≈ HK$5,698/mo (50% DSR)
Upfront cash ≈ HK$392K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,983
−HK$161/mo
▼ 0.25% · 3.875%
HK$3,063
−HK$81/mo
Today · 4.125%
HK$3,144
baseline
▲ 0.50% · 4.625%
HK$3,310
+HK$166/mo
Deposit HK$392K · loan HK$588K · min. income ≈ HK$6,288/mo (50% DSR)
Upfront cash ≈ HK$392K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,128
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,225
−HK$99/mo
Today · 4.125%
HK$3,324
baseline
▲ 0.50% · 4.625%
HK$3,526
+HK$202/mo
Deposit HK$294K · loan HK$686K · min. income ≈ HK$6,648/mo (50% DSR)
Upfront cash ≈ HK$294K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,480
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,573
−HK$95/mo
Today · 4.125%
HK$3,668
baseline
▲ 0.50% · 4.625%
HK$3,861
+HK$193/mo
Deposit HK$294K · loan HK$686K · min. income ≈ HK$7,336/mo (50% DSR)
Upfront cash ≈ HK$294K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,022
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,147
−HK$127/mo
Today · 4.125%
HK$4,274
baseline
▲ 0.50% · 4.625%
HK$4,534
+HK$260/mo
Deposit HK$98K · loan HK$882K · min. income ≈ HK$8,548/mo (50% DSR)
Upfront cash ≈ HK$98K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,474
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,594
−HK$122/mo
Today · 4.125%
HK$4,716
baseline
▲ 0.50% · 4.625%
HK$4,964
+HK$248/mo
Deposit HK$98K · loan HK$882K · min. income ≈ HK$9,432/mo (50% DSR)
Upfront cash ≈ HK$98K (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).