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$2,930
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,021
−HK$93/mo
Today · 4.125%
HK$3,114
baseline
▲ 0.50% · 4.625%
HK$3,303
+HK$189/mo
Deposit HK$642K · loan HK$642K · min. income ≈ HK$6,228/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,259
−HK$177/mo
▼ 0.25% · 3.875%
HK$3,347
−HK$89/mo
Today · 4.125%
HK$3,436
baseline
▲ 0.50% · 4.625%
HK$3,617
+HK$181/mo
Deposit HK$642K · loan HK$642K · min. income ≈ HK$6,872/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,516
−HK$220/mo
▼ 0.25% · 3.875%
HK$3,625
−HK$111/mo
Today · 4.125%
HK$3,736
baseline
▲ 0.50% · 4.625%
HK$3,964
+HK$228/mo
Deposit HK$514K · loan HK$771K · min. income ≈ HK$7,472/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,911
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,016
−HK$107/mo
Today · 4.125%
HK$4,123
baseline
▲ 0.50% · 4.625%
HK$4,340
+HK$217/mo
Deposit HK$514K · loan HK$771K · min. income ≈ HK$8,246/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,102
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,229
−HK$130/mo
Today · 4.125%
HK$4,359
baseline
▲ 0.50% · 4.625%
HK$4,624
+HK$265/mo
Deposit HK$385K · loan HK$899K · min. income ≈ HK$8,718/mo (50% DSR)
Upfront cash ≈ HK$386K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,563
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,686
−HK$124/mo
Today · 4.125%
HK$4,810
baseline
▲ 0.50% · 4.625%
HK$5,063
+HK$253/mo
Deposit HK$385K · loan HK$899K · min. income ≈ HK$9,620/mo (50% DSR)
Upfront cash ≈ HK$386K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,274
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,438
−HK$166/mo
Today · 4.125%
HK$5,604
baseline
▲ 0.50% · 4.625%
HK$5,945
+HK$341/mo
Deposit HK$128K · loan HK$1.16M · min. income ≈ HK$11,208/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$5,867
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,024
−HK$160/mo
Today · 4.125%
HK$6,184
baseline
▲ 0.50% · 4.625%
HK$6,510
+HK$326/mo
Deposit HK$128K · loan HK$1.16M · min. income ≈ HK$12,368/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).