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$2,693
−HK$169/mo
▼ 0.25% · 3.875%
HK$2,777
−HK$85/mo
Today · 4.125%
HK$2,862
baseline
▲ 0.50% · 4.625%
HK$3,036
+HK$174/mo
Deposit HK$591K · loan HK$591K · min. income ≈ HK$5,724/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,996
−HK$162/mo
▼ 0.25% · 3.875%
HK$3,077
−HK$81/mo
Today · 4.125%
HK$3,158
baseline
▲ 0.50% · 4.625%
HK$3,325
+HK$167/mo
Deposit HK$591K · loan HK$591K · min. income ≈ HK$6,316/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,232
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,333
−HK$102/mo
Today · 4.125%
HK$3,435
baseline
▲ 0.50% · 4.625%
HK$3,644
+HK$209/mo
Deposit HK$472K · loan HK$709K · min. income ≈ HK$6,870/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,596
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,692
−HK$98/mo
Today · 4.125%
HK$3,790
baseline
▲ 0.50% · 4.625%
HK$3,990
+HK$200/mo
Deposit HK$472K · loan HK$709K · min. income ≈ HK$7,580/mo (50% DSR)
Upfront cash ≈ HK$473K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,771
−HK$236/mo
▼ 0.25% · 3.875%
HK$3,888
−HK$119/mo
Today · 4.125%
HK$4,007
baseline
▲ 0.50% · 4.625%
HK$4,251
+HK$244/mo
Deposit HK$354K · loan HK$827K · min. income ≈ HK$8,014/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$4,195
−HK$227/mo
▼ 0.25% · 3.875%
HK$4,307
−HK$115/mo
Today · 4.125%
HK$4,422
baseline
▲ 0.50% · 4.625%
HK$4,655
+HK$233/mo
Deposit HK$354K · loan HK$827K · min. income ≈ HK$8,844/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$4,848
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,999
−HK$153/mo
Today · 4.125%
HK$5,152
baseline
▲ 0.50% · 4.625%
HK$5,466
+HK$314/mo
Deposit HK$118K · loan HK$1.06M · min. income ≈ HK$10,304/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$5,393
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,538
−HK$147/mo
Today · 4.125%
HK$5,685
baseline
▲ 0.50% · 4.625%
HK$5,985
+HK$300/mo
Deposit HK$118K · loan HK$1.06M · min. income ≈ HK$11,370/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).