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$2,886
−HK$181/mo
▼ 0.25% · 3.875%
HK$2,976
−HK$91/mo
Today · 4.125%
HK$3,067
baseline
▲ 0.50% · 4.625%
HK$3,254
+HK$187/mo
Deposit HK$633K · loan HK$633K · min. income ≈ HK$6,134/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,211
−HK$174/mo
▼ 0.25% · 3.875%
HK$3,297
−HK$88/mo
Today · 4.125%
HK$3,385
baseline
▲ 0.50% · 4.625%
HK$3,563
+HK$178/mo
Deposit HK$633K · loan HK$633K · min. income ≈ HK$6,770/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,464
−HK$217/mo
▼ 0.25% · 3.875%
HK$3,571
−HK$110/mo
Today · 4.125%
HK$3,681
baseline
▲ 0.50% · 4.625%
HK$3,905
+HK$224/mo
Deposit HK$506K · loan HK$759K · min. income ≈ HK$7,362/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,853
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,957
−HK$104/mo
Today · 4.125%
HK$4,061
baseline
▲ 0.50% · 4.625%
HK$4,276
+HK$215/mo
Deposit HK$506K · loan HK$759K · min. income ≈ HK$8,122/mo (50% DSR)
Upfront cash ≈ HK$506K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,041
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,167
−HK$127/mo
Today · 4.125%
HK$4,294
baseline
▲ 0.50% · 4.625%
HK$4,556
+HK$262/mo
Deposit HK$380K · loan HK$886K · min. income ≈ HK$8,588/mo (50% DSR)
Upfront cash ≈ HK$380K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,495
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,616
−HK$122/mo
Today · 4.125%
HK$4,738
baseline
▲ 0.50% · 4.625%
HK$4,988
+HK$250/mo
Deposit HK$380K · loan HK$886K · min. income ≈ HK$9,476/mo (50% DSR)
Upfront cash ≈ HK$380K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,195
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,357
−HK$164/mo
Today · 4.125%
HK$5,521
baseline
▲ 0.50% · 4.625%
HK$5,857
+HK$336/mo
Deposit HK$127K · loan HK$1.14M · min. income ≈ HK$11,042/mo (50% DSR)
Upfront cash ≈ HK$127K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,780
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,935
−HK$157/mo
Today · 4.125%
HK$6,092
baseline
▲ 0.50% · 4.625%
HK$6,413
+HK$321/mo
Deposit HK$127K · loan HK$1.14M · min. income ≈ HK$12,184/mo (50% DSR)
Upfront cash ≈ HK$127K (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).