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$2,598
−HK$163/mo
▼ 0.25% · 3.875%
HK$2,679
−HK$82/mo
Today · 4.125%
HK$2,761
baseline
▲ 0.50% · 4.625%
HK$2,929
+HK$168/mo
Deposit HK$570K · loan HK$570K · min. income ≈ HK$5,522/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,891
−HK$156/mo
▼ 0.25% · 3.875%
HK$2,968
−HK$79/mo
Today · 4.125%
HK$3,047
baseline
▲ 0.50% · 4.625%
HK$3,207
+HK$160/mo
Deposit HK$570K · loan HK$570K · min. income ≈ HK$6,094/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,118
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,215
−HK$99/mo
Today · 4.125%
HK$3,314
baseline
▲ 0.50% · 4.625%
HK$3,515
+HK$201/mo
Deposit HK$456K · loan HK$684K · min. income ≈ HK$6,628/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,469
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,562
−HK$94/mo
Today · 4.125%
HK$3,656
baseline
▲ 0.50% · 4.625%
HK$3,849
+HK$193/mo
Deposit HK$456K · loan HK$684K · min. income ≈ HK$7,312/mo (50% DSR)
Upfront cash ≈ HK$456K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,638
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,751
−HK$115/mo
Today · 4.125%
HK$3,866
baseline
▲ 0.50% · 4.625%
HK$4,101
+HK$235/mo
Deposit HK$342K · loan HK$798K · min. income ≈ HK$7,732/mo (50% DSR)
Upfront cash ≈ HK$342K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,047
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,155
−HK$111/mo
Today · 4.125%
HK$4,266
baseline
▲ 0.50% · 4.625%
HK$4,490
+HK$224/mo
Deposit HK$342K · loan HK$798K · min. income ≈ HK$8,532/mo (50% DSR)
Upfront cash ≈ HK$342K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,677
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,823
−HK$147/mo
Today · 4.125%
HK$4,970
baseline
▲ 0.50% · 4.625%
HK$5,273
+HK$303/mo
Deposit HK$114K · loan HK$1.03M · min. income ≈ HK$9,940/mo (50% DSR)
Upfront cash ≈ HK$114K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,203
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,343
−HK$141/mo
Today · 4.125%
HK$5,484
baseline
▲ 0.50% · 4.625%
HK$5,773
+HK$289/mo
Deposit HK$114K · loan HK$1.03M · min. income ≈ HK$10,968/mo (50% DSR)
Upfront cash ≈ HK$114K (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).