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$2,938
−HK$185/mo
▼ 0.25% · 3.875%
HK$3,030
−HK$93/mo
Today · 4.125%
HK$3,123
baseline
▲ 0.50% · 4.625%
HK$3,313
+HK$190/mo
Deposit HK$644K · loan HK$644K · min. income ≈ HK$6,246/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,269
−HK$177/mo
▼ 0.25% · 3.875%
HK$3,357
−HK$89/mo
Today · 4.125%
HK$3,446
baseline
▲ 0.50% · 4.625%
HK$3,627
+HK$181/mo
Deposit HK$644K · loan HK$644K · min. income ≈ HK$6,892/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,526
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,636
−HK$111/mo
Today · 4.125%
HK$3,747
baseline
▲ 0.50% · 4.625%
HK$3,975
+HK$228/mo
Deposit HK$515K · loan HK$773K · min. income ≈ HK$7,494/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,923
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,028
−HK$107/mo
Today · 4.125%
HK$4,135
baseline
▲ 0.50% · 4.625%
HK$4,353
+HK$218/mo
Deposit HK$515K · loan HK$773K · min. income ≈ HK$8,270/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,114
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,242
−HK$130/mo
Today · 4.125%
HK$4,372
baseline
▲ 0.50% · 4.625%
HK$4,638
+HK$266/mo
Deposit HK$387K · loan HK$902K · min. income ≈ HK$8,744/mo (50% DSR)
Upfront cash ≈ HK$387K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,576
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,699
−HK$125/mo
Today · 4.125%
HK$4,824
baseline
▲ 0.50% · 4.625%
HK$5,078
+HK$254/mo
Deposit HK$387K · loan HK$902K · min. income ≈ HK$9,648/mo (50% DSR)
Upfront cash ≈ HK$387K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,289
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,454
−HK$167/mo
Today · 4.125%
HK$5,621
baseline
▲ 0.50% · 4.625%
HK$5,963
+HK$342/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$11,242/mo (50% DSR)
Upfront cash ≈ HK$129K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,884
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,042
−HK$160/mo
Today · 4.125%
HK$6,202
baseline
▲ 0.50% · 4.625%
HK$6,529
+HK$327/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$12,404/mo (50% DSR)
Upfront cash ≈ HK$129K (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).