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$2,447
−HK$154/mo
▼ 0.25% · 3.875%
HK$2,523
−HK$78/mo
Today · 4.125%
HK$2,601
baseline
▲ 0.50% · 4.625%
HK$2,759
+HK$158/mo
Deposit HK$537K · loan HK$537K · min. income ≈ HK$5,202/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,722
−HK$148/mo
▼ 0.25% · 3.875%
HK$2,796
−HK$74/mo
Today · 4.125%
HK$2,870
baseline
▲ 0.50% · 4.625%
HK$3,021
+HK$151/mo
Deposit HK$537K · loan HK$537K · min. income ≈ HK$5,740/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,937
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,028
−HK$93/mo
Today · 4.125%
HK$3,121
baseline
▲ 0.50% · 4.625%
HK$3,311
+HK$190/mo
Deposit HK$429K · loan HK$644K · min. income ≈ HK$6,242/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,267
−HK$177/mo
▼ 0.25% · 3.875%
HK$3,355
−HK$89/mo
Today · 4.125%
HK$3,444
baseline
▲ 0.50% · 4.625%
HK$3,625
+HK$181/mo
Deposit HK$429K · loan HK$644K · min. income ≈ HK$6,888/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,426
−HK$215/mo
▼ 0.25% · 3.875%
HK$3,533
−HK$108/mo
Today · 4.125%
HK$3,641
baseline
▲ 0.50% · 4.625%
HK$3,862
+HK$221/mo
Deposit HK$322K · loan HK$751K · min. income ≈ HK$7,282/mo (50% DSR)
Upfront cash ≈ HK$322K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,811
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,914
−HK$103/mo
Today · 4.125%
HK$4,017
baseline
▲ 0.50% · 4.625%
HK$4,229
+HK$212/mo
Deposit HK$322K · loan HK$751K · min. income ≈ HK$8,034/mo (50% DSR)
Upfront cash ≈ HK$322K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,405
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,542
−HK$139/mo
Today · 4.125%
HK$4,681
baseline
▲ 0.50% · 4.625%
HK$4,966
+HK$285/mo
Deposit HK$107K · loan HK$966K · min. income ≈ HK$9,362/mo (50% DSR)
Upfront cash ≈ HK$107K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,900
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,032
−HK$133/mo
Today · 4.125%
HK$5,165
baseline
▲ 0.50% · 4.625%
HK$5,438
+HK$273/mo
Deposit HK$107K · loan HK$966K · min. income ≈ HK$10,330/mo (50% DSR)
Upfront cash ≈ HK$107K (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).