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$2,326
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,399
−HK$73/mo
Today · 4.125%
HK$2,472
baseline
▲ 0.50% · 4.625%
HK$2,623
+HK$151/mo
Deposit HK$510K · loan HK$510K · min. income ≈ HK$4,944/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,588
−HK$140/mo
▼ 0.25% · 3.875%
HK$2,657
−HK$71/mo
Today · 4.125%
HK$2,728
baseline
▲ 0.50% · 4.625%
HK$2,872
+HK$144/mo
Deposit HK$510K · loan HK$510K · min. income ≈ HK$5,456/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,792
−HK$175/mo
▼ 0.25% · 3.875%
HK$2,878
−HK$89/mo
Today · 4.125%
HK$2,967
baseline
▲ 0.50% · 4.625%
HK$3,147
+HK$180/mo
Deposit HK$408K · loan HK$612K · min. income ≈ HK$5,934/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,106
−HK$167/mo
▼ 0.25% · 3.875%
HK$3,189
−HK$84/mo
Today · 4.125%
HK$3,273
baseline
▲ 0.50% · 4.625%
HK$3,446
+HK$173/mo
Deposit HK$408K · loan HK$612K · min. income ≈ HK$6,546/mo (50% DSR)
Upfront cash ≈ HK$408K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,257
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,358
−HK$103/mo
Today · 4.125%
HK$3,461
baseline
▲ 0.50% · 4.625%
HK$3,672
+HK$211/mo
Deposit HK$306K · loan HK$714K · min. income ≈ HK$6,922/mo (50% DSR)
Upfront cash ≈ HK$306K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,623
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,720
−HK$99/mo
Today · 4.125%
HK$3,819
baseline
▲ 0.50% · 4.625%
HK$4,020
+HK$201/mo
Deposit HK$306K · loan HK$714K · min. income ≈ HK$7,638/mo (50% DSR)
Upfront cash ≈ HK$306K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,187
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,318
−HK$132/mo
Today · 4.125%
HK$4,450
baseline
▲ 0.50% · 4.625%
HK$4,721
+HK$271/mo
Deposit HK$102K · loan HK$918K · min. income ≈ HK$8,900/mo (50% DSR)
Upfront cash ≈ HK$102K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,658
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,783
−HK$127/mo
Today · 4.125%
HK$4,910
baseline
▲ 0.50% · 4.625%
HK$5,169
+HK$259/mo
Deposit HK$102K · loan HK$918K · min. income ≈ HK$9,820/mo (50% DSR)
Upfront cash ≈ HK$102K (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).