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$2,861
−HK$179/mo
▼ 0.25% · 3.875%
HK$2,950
−HK$90/mo
Today · 4.125%
HK$3,040
baseline
▲ 0.50% · 4.625%
HK$3,225
+HK$185/mo
Deposit HK$627K · loan HK$627K · min. income ≈ HK$6,080/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,183
−HK$172/mo
▼ 0.25% · 3.875%
HK$3,268
−HK$87/mo
Today · 4.125%
HK$3,355
baseline
▲ 0.50% · 4.625%
HK$3,531
+HK$176/mo
Deposit HK$627K · loan HK$627K · min. income ≈ HK$6,710/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,433
−HK$215/mo
▼ 0.25% · 3.875%
HK$3,540
−HK$108/mo
Today · 4.125%
HK$3,648
baseline
▲ 0.50% · 4.625%
HK$3,870
+HK$222/mo
Deposit HK$502K · loan HK$753K · min. income ≈ HK$7,296/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,819
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,922
−HK$104/mo
Today · 4.125%
HK$4,026
baseline
▲ 0.50% · 4.625%
HK$4,238
+HK$212/mo
Deposit HK$502K · loan HK$753K · min. income ≈ HK$8,052/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,005
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,130
−HK$126/mo
Today · 4.125%
HK$4,256
baseline
▲ 0.50% · 4.625%
HK$4,515
+HK$259/mo
Deposit HK$376K · loan HK$878K · min. income ≈ HK$8,512/mo (50% DSR)
Upfront cash ≈ HK$376K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,456
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,575
−HK$121/mo
Today · 4.125%
HK$4,696
baseline
▲ 0.50% · 4.625%
HK$4,944
+HK$248/mo
Deposit HK$376K · loan HK$878K · min. income ≈ HK$9,392/mo (50% DSR)
Upfront cash ≈ HK$376K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,150
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,310
−HK$162/mo
Today · 4.125%
HK$5,472
baseline
▲ 0.50% · 4.625%
HK$5,805
+HK$333/mo
Deposit HK$125K · loan HK$1.13M · min. income ≈ HK$10,944/mo (50% DSR)
Upfront cash ≈ HK$126K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,729
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,882
−HK$156/mo
Today · 4.125%
HK$6,038
baseline
▲ 0.50% · 4.625%
HK$6,357
+HK$319/mo
Deposit HK$125K · loan HK$1.13M · min. income ≈ HK$12,076/mo (50% DSR)
Upfront cash ≈ HK$126K (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).