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$2,485
−HK$155/mo
▼ 0.25% · 3.875%
HK$2,562
−HK$78/mo
Today · 4.125%
HK$2,640
baseline
▲ 0.50% · 4.625%
HK$2,801
+HK$161/mo
Deposit HK$545K · loan HK$545K · min. income ≈ HK$5,280/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,764
−HK$150/mo
▼ 0.25% · 3.875%
HK$2,838
−HK$76/mo
Today · 4.125%
HK$2,914
baseline
▲ 0.50% · 4.625%
HK$3,067
+HK$153/mo
Deposit HK$545K · loan HK$545K · min. income ≈ HK$5,828/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,982
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,074
−HK$95/mo
Today · 4.125%
HK$3,169
baseline
▲ 0.50% · 4.625%
HK$3,361
+HK$192/mo
Deposit HK$436K · loan HK$654K · min. income ≈ HK$6,338/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,317
−HK$179/mo
▼ 0.25% · 3.875%
HK$3,406
−HK$90/mo
Today · 4.125%
HK$3,496
baseline
▲ 0.50% · 4.625%
HK$3,681
+HK$185/mo
Deposit HK$436K · loan HK$654K · min. income ≈ HK$6,992/mo (50% DSR)
Upfront cash ≈ HK$436K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,479
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,587
−HK$110/mo
Today · 4.125%
HK$3,697
baseline
▲ 0.50% · 4.625%
HK$3,922
+HK$225/mo
Deposit HK$327K · loan HK$763K · min. income ≈ HK$7,394/mo (50% DSR)
Upfront cash ≈ HK$327K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,870
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,974
−HK$105/mo
Today · 4.125%
HK$4,079
baseline
▲ 0.50% · 4.625%
HK$4,294
+HK$215/mo
Deposit HK$327K · loan HK$763K · min. income ≈ HK$8,158/mo (50% DSR)
Upfront cash ≈ HK$327K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,472
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,612
−HK$141/mo
Today · 4.125%
HK$4,753
baseline
▲ 0.50% · 4.625%
HK$5,042
+HK$289/mo
Deposit HK$109K · loan HK$981K · min. income ≈ HK$9,506/mo (50% DSR)
Upfront cash ≈ HK$109K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,976
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,109
−HK$135/mo
Today · 4.125%
HK$5,244
baseline
▲ 0.50% · 4.625%
HK$5,521
+HK$277/mo
Deposit HK$109K · loan HK$981K · min. income ≈ HK$10,488/mo (50% DSR)
Upfront cash ≈ HK$109K (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).