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$2,692
−HK$169/mo
▼ 0.25% · 3.875%
HK$2,776
−HK$85/mo
Today · 4.125%
HK$2,861
baseline
▲ 0.50% · 4.625%
HK$3,035
+HK$174/mo
Deposit HK$590K · loan HK$590K · min. income ≈ HK$5,722/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,995
−HK$162/mo
▼ 0.25% · 3.875%
HK$3,075
−HK$82/mo
Today · 4.125%
HK$3,157
baseline
▲ 0.50% · 4.625%
HK$3,323
+HK$166/mo
Deposit HK$590K · loan HK$590K · min. income ≈ HK$6,314/mo (50% DSR)
Upfront cash ≈ HK$590K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,230
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,331
−HK$102/mo
Today · 4.125%
HK$3,433
baseline
▲ 0.50% · 4.625%
HK$3,642
+HK$209/mo
Deposit HK$472K · loan HK$708K · min. income ≈ HK$6,866/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,594
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,690
−HK$98/mo
Today · 4.125%
HK$3,788
baseline
▲ 0.50% · 4.625%
HK$3,988
+HK$200/mo
Deposit HK$472K · loan HK$708K · min. income ≈ HK$7,576/mo (50% DSR)
Upfront cash ≈ HK$472K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,769
−HK$236/mo
▼ 0.25% · 3.875%
HK$3,886
−HK$119/mo
Today · 4.125%
HK$4,005
baseline
▲ 0.50% · 4.625%
HK$4,249
+HK$244/mo
Deposit HK$354K · loan HK$826K · min. income ≈ HK$8,010/mo (50% DSR)
Upfront cash ≈ HK$354K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,193
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,305
−HK$114/mo
Today · 4.125%
HK$4,419
baseline
▲ 0.50% · 4.625%
HK$4,652
+HK$233/mo
Deposit HK$354K · loan HK$826K · min. income ≈ HK$8,838/mo (50% DSR)
Upfront cash ≈ HK$354K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,846
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,996
−HK$154/mo
Today · 4.125%
HK$5,150
baseline
▲ 0.50% · 4.625%
HK$5,463
+HK$313/mo
Deposit HK$118K · loan HK$1.06M · min. income ≈ HK$10,300/mo (50% DSR)
Upfront cash ≈ HK$118K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,391
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,535
−HK$147/mo
Today · 4.125%
HK$5,682
baseline
▲ 0.50% · 4.625%
HK$5,982
+HK$300/mo
Deposit HK$118K · loan HK$1.06M · min. income ≈ HK$11,364/mo (50% DSR)
Upfront cash ≈ HK$118K (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).