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$3,244
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,345
−HK$102/mo
Today · 4.125%
HK$3,447
baseline
▲ 0.50% · 4.625%
HK$3,657
+HK$210/mo
Deposit HK$711K · loan HK$711K · min. income ≈ HK$6,894/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,609
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,706
−HK$98/mo
Today · 4.125%
HK$3,804
baseline
▲ 0.50% · 4.625%
HK$4,004
+HK$200/mo
Deposit HK$711K · loan HK$711K · min. income ≈ HK$7,608/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,893
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,014
−HK$123/mo
Today · 4.125%
HK$4,137
baseline
▲ 0.50% · 4.625%
HK$4,389
+HK$252/mo
Deposit HK$569K · loan HK$854K · min. income ≈ HK$8,274/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,331
−HK$234/mo
▼ 0.25% · 3.875%
HK$4,447
−HK$118/mo
Today · 4.125%
HK$4,565
baseline
▲ 0.50% · 4.625%
HK$4,805
+HK$240/mo
Deposit HK$569K · loan HK$854K · min. income ≈ HK$9,130/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,542
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,683
−HK$143/mo
Today · 4.125%
HK$4,826
baseline
▲ 0.50% · 4.625%
HK$5,120
+HK$294/mo
Deposit HK$427K · loan HK$996K · min. income ≈ HK$9,652/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,052
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,188
−HK$137/mo
Today · 4.125%
HK$5,325
baseline
▲ 0.50% · 4.625%
HK$5,606
+HK$281/mo
Deposit HK$427K · loan HK$996K · min. income ≈ HK$10,650/mo (50% DSR)
Upfront cash ≈ HK$427K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,839
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,021
−HK$184/mo
Today · 4.125%
HK$6,205
baseline
▲ 0.50% · 4.625%
HK$6,583
+HK$378/mo
Deposit HK$142K · loan HK$1.28M · min. income ≈ HK$12,410/mo (50% DSR)
Upfront cash ≈ HK$142K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,496
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,670
−HK$177/mo
Today · 4.125%
HK$6,847
baseline
▲ 0.50% · 4.625%
HK$7,208
+HK$361/mo
Deposit HK$142K · loan HK$1.28M · min. income ≈ HK$13,694/mo (50% DSR)
Upfront cash ≈ HK$142K (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).