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$2,408
−HK$151/mo
▼ 0.25% · 3.875%
HK$2,483
−HK$76/mo
Today · 4.125%
HK$2,559
baseline
▲ 0.50% · 4.625%
HK$2,714
+HK$155/mo
Deposit HK$528K · loan HK$528K · min. income ≈ HK$5,118/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,679
−HK$144/mo
▼ 0.25% · 3.875%
HK$2,750
−HK$73/mo
Today · 4.125%
HK$2,823
baseline
▲ 0.50% · 4.625%
HK$2,972
+HK$149/mo
Deposit HK$528K · loan HK$528K · min. income ≈ HK$5,646/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,889
−HK$181/mo
▼ 0.25% · 3.875%
HK$2,979
−HK$91/mo
Today · 4.125%
HK$3,070
baseline
▲ 0.50% · 4.625%
HK$3,257
+HK$187/mo
Deposit HK$422K · loan HK$634K · min. income ≈ HK$6,140/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,214
−HK$174/mo
▼ 0.25% · 3.875%
HK$3,301
−HK$87/mo
Today · 4.125%
HK$3,388
baseline
▲ 0.50% · 4.625%
HK$3,567
+HK$179/mo
Deposit HK$422K · loan HK$634K · min. income ≈ HK$6,776/mo (50% DSR)
Upfront cash ≈ HK$422K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,371
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,476
−HK$106/mo
Today · 4.125%
HK$3,582
baseline
▲ 0.50% · 4.625%
HK$3,800
+HK$218/mo
Deposit HK$317K · loan HK$739K · min. income ≈ HK$7,164/mo (50% DSR)
Upfront cash ≈ HK$317K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,750
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,851
−HK$102/mo
Today · 4.125%
HK$3,953
baseline
▲ 0.50% · 4.625%
HK$4,161
+HK$208/mo
Deposit HK$317K · loan HK$739K · min. income ≈ HK$7,906/mo (50% DSR)
Upfront cash ≈ HK$317K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,334
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,469
−HK$137/mo
Today · 4.125%
HK$4,606
baseline
▲ 0.50% · 4.625%
HK$4,886
+HK$280/mo
Deposit HK$106K · loan HK$950K · min. income ≈ HK$9,212/mo (50% DSR)
Upfront cash ≈ HK$106K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,821
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,951
−HK$131/mo
Today · 4.125%
HK$5,082
baseline
▲ 0.50% · 4.625%
HK$5,350
+HK$268/mo
Deposit HK$106K · loan HK$950K · min. income ≈ HK$10,164/mo (50% DSR)
Upfront cash ≈ HK$106K (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).