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$3,189
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,288
−HK$101/mo
Today · 4.125%
HK$3,389
baseline
▲ 0.50% · 4.625%
HK$3,595
+HK$206/mo
Deposit HK$699K · loan HK$699K · min. income ≈ HK$6,778/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,548
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,643
−HK$96/mo
Today · 4.125%
HK$3,739
baseline
▲ 0.50% · 4.625%
HK$3,936
+HK$197/mo
Deposit HK$699K · loan HK$699K · min. income ≈ HK$7,478/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,827
−HK$240/mo
▼ 0.25% · 3.875%
HK$3,946
−HK$121/mo
Today · 4.125%
HK$4,067
baseline
▲ 0.50% · 4.625%
HK$4,314
+HK$247/mo
Deposit HK$559K · loan HK$839K · min. income ≈ HK$8,134/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,257
−HK$230/mo
▼ 0.25% · 3.875%
HK$4,371
−HK$116/mo
Today · 4.125%
HK$4,487
baseline
▲ 0.50% · 4.625%
HK$4,724
+HK$237/mo
Deposit HK$559K · loan HK$839K · min. income ≈ HK$8,974/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,464
−HK$280/mo
▼ 0.25% · 3.875%
HK$4,603
−HK$141/mo
Today · 4.125%
HK$4,744
baseline
▲ 0.50% · 4.625%
HK$5,033
+HK$289/mo
Deposit HK$420K · loan HK$979K · min. income ≈ HK$9,488/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,967
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,100
−HK$135/mo
Today · 4.125%
HK$5,235
baseline
▲ 0.50% · 4.625%
HK$5,511
+HK$276/mo
Deposit HK$420K · loan HK$979K · min. income ≈ HK$10,470/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,740
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,919
−HK$181/mo
Today · 4.125%
HK$6,100
baseline
▲ 0.50% · 4.625%
HK$6,471
+HK$371/mo
Deposit HK$140K · loan HK$1.26M · min. income ≈ HK$12,200/mo (50% DSR)
Upfront cash ≈ HK$140K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,386
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,557
−HK$174/mo
Today · 4.125%
HK$6,731
baseline
▲ 0.50% · 4.625%
HK$7,085
+HK$354/mo
Deposit HK$140K · loan HK$1.26M · min. income ≈ HK$13,462/mo (50% DSR)
Upfront cash ≈ HK$140K (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).