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$3,024
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,118
−HK$95/mo
Today · 4.125%
HK$3,213
baseline
▲ 0.50% · 4.625%
HK$3,409
+HK$196/mo
Deposit HK$663K · loan HK$663K · min. income ≈ HK$6,426/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,364
−HK$182/mo
▼ 0.25% · 3.875%
HK$3,454
−HK$92/mo
Today · 4.125%
HK$3,546
baseline
▲ 0.50% · 4.625%
HK$3,732
+HK$186/mo
Deposit HK$663K · loan HK$663K · min. income ≈ HK$7,092/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,628
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,741
−HK$115/mo
Today · 4.125%
HK$3,856
baseline
▲ 0.50% · 4.625%
HK$4,091
+HK$235/mo
Deposit HK$530K · loan HK$796K · min. income ≈ HK$7,712/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,037
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,145
−HK$110/mo
Today · 4.125%
HK$4,255
baseline
▲ 0.50% · 4.625%
HK$4,479
+HK$224/mo
Deposit HK$530K · loan HK$796K · min. income ≈ HK$8,510/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,233
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,365
−HK$134/mo
Today · 4.125%
HK$4,499
baseline
▲ 0.50% · 4.625%
HK$4,772
+HK$273/mo
Deposit HK$398K · loan HK$928K · min. income ≈ HK$8,998/mo (50% DSR)
Upfront cash ≈ HK$398K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,709
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,836
−HK$128/mo
Today · 4.125%
HK$4,964
baseline
▲ 0.50% · 4.625%
HK$5,225
+HK$261/mo
Deposit HK$398K · loan HK$928K · min. income ≈ HK$9,928/mo (50% DSR)
Upfront cash ≈ HK$398K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,443
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,612
−HK$172/mo
Today · 4.125%
HK$5,784
baseline
▲ 0.50% · 4.625%
HK$6,136
+HK$352/mo
Deposit HK$133K · loan HK$1.19M · min. income ≈ HK$11,568/mo (50% DSR)
Upfront cash ≈ HK$133K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,055
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,217
−HK$165/mo
Today · 4.125%
HK$6,382
baseline
▲ 0.50% · 4.625%
HK$6,718
+HK$336/mo
Deposit HK$133K · loan HK$1.19M · min. income ≈ HK$12,764/mo (50% DSR)
Upfront cash ≈ HK$133K (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).