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$1,916
−HK$120/mo
▼ 0.25% · 3.875%
HK$1,976
−HK$60/mo
Today · 4.125%
HK$2,036
baseline
▲ 0.50% · 4.625%
HK$2,160
+HK$124/mo
Deposit HK$420K · loan HK$420K · min. income ≈ HK$4,072/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,132
−HK$115/mo
▼ 0.25% · 3.875%
HK$2,189
−HK$58/mo
Today · 4.125%
HK$2,247
baseline
▲ 0.50% · 4.625%
HK$2,366
+HK$119/mo
Deposit HK$420K · loan HK$420K · min. income ≈ HK$4,494/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,300
−HK$144/mo
▼ 0.25% · 3.875%
HK$2,371
−HK$73/mo
Today · 4.125%
HK$2,444
baseline
▲ 0.50% · 4.625%
HK$2,592
+HK$148/mo
Deposit HK$336K · loan HK$504K · min. income ≈ HK$4,888/mo (50% DSR)
Upfront cash ≈ HK$336K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,558
−HK$138/mo
▼ 0.25% · 3.875%
HK$2,627
−HK$69/mo
Today · 4.125%
HK$2,696
baseline
▲ 0.50% · 4.625%
HK$2,839
+HK$143/mo
Deposit HK$336K · loan HK$504K · min. income ≈ HK$5,392/mo (50% DSR)
Upfront cash ≈ HK$336K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,683
−HK$168/mo
▼ 0.25% · 3.875%
HK$2,766
−HK$85/mo
Today · 4.125%
HK$2,851
baseline
▲ 0.50% · 4.625%
HK$3,025
+HK$174/mo
Deposit HK$252K · loan HK$588K · min. income ≈ HK$5,702/mo (50% DSR)
Upfront cash ≈ HK$252K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,985
−HK$161/mo
▼ 0.25% · 3.875%
HK$3,065
−HK$81/mo
Today · 4.125%
HK$3,146
baseline
▲ 0.50% · 4.625%
HK$3,312
+HK$166/mo
Deposit HK$252K · loan HK$588K · min. income ≈ HK$6,292/mo (50% DSR)
Upfront cash ≈ HK$252K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,449
−HK$217/mo
▼ 0.25% · 3.875%
HK$3,557
−HK$109/mo
Today · 4.125%
HK$3,666
baseline
▲ 0.50% · 4.625%
HK$3,889
+HK$223/mo
Deposit HK$84K · loan HK$756K · min. income ≈ HK$7,332/mo (50% DSR)
Upfront cash ≈ HK$84K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,837
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,940
−HK$105/mo
Today · 4.125%
HK$4,045
baseline
▲ 0.50% · 4.625%
HK$4,258
+HK$213/mo
Deposit HK$84K · loan HK$756K · min. income ≈ HK$8,090/mo (50% DSR)
Upfront cash ≈ HK$84K (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).