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$3,070
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,166
−HK$97/mo
Today · 4.125%
HK$3,263
baseline
▲ 0.50% · 4.625%
HK$3,461
+HK$198/mo
Deposit HK$673K · loan HK$673K · min. income ≈ HK$6,526/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,416
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,507
−HK$93/mo
Today · 4.125%
HK$3,600
baseline
▲ 0.50% · 4.625%
HK$3,790
+HK$190/mo
Deposit HK$673K · loan HK$673K · min. income ≈ HK$7,200/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,684
−HK$232/mo
▼ 0.25% · 3.875%
HK$3,799
−HK$117/mo
Today · 4.125%
HK$3,916
baseline
▲ 0.50% · 4.625%
HK$4,154
+HK$238/mo
Deposit HK$539K · loan HK$808K · min. income ≈ HK$7,832/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,099
−HK$221/mo
▼ 0.25% · 3.875%
HK$4,209
−HK$111/mo
Today · 4.125%
HK$4,320
baseline
▲ 0.50% · 4.625%
HK$4,548
+HK$228/mo
Deposit HK$539K · loan HK$808K · min. income ≈ HK$8,640/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,299
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,432
−HK$136/mo
Today · 4.125%
HK$4,568
baseline
▲ 0.50% · 4.625%
HK$4,846
+HK$278/mo
Deposit HK$404K · loan HK$943K · min. income ≈ HK$9,136/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,782
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,910
−HK$130/mo
Today · 4.125%
HK$5,040
baseline
▲ 0.50% · 4.625%
HK$5,306
+HK$266/mo
Deposit HK$404K · loan HK$943K · min. income ≈ HK$10,080/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,527
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,699
−HK$174/mo
Today · 4.125%
HK$5,873
baseline
▲ 0.50% · 4.625%
HK$6,231
+HK$358/mo
Deposit HK$135K · loan HK$1.21M · min. income ≈ HK$11,746/mo (50% DSR)
Upfront cash ≈ HK$135K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,148
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,313
−HK$168/mo
Today · 4.125%
HK$6,481
baseline
▲ 0.50% · 4.625%
HK$6,822
+HK$341/mo
Deposit HK$135K · loan HK$1.21M · min. income ≈ HK$12,962/mo (50% DSR)
Upfront cash ≈ HK$135K (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).