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$2,781
−HK$174/mo
▼ 0.25% · 3.875%
HK$2,867
−HK$88/mo
Today · 4.125%
HK$2,955
baseline
▲ 0.50% · 4.625%
HK$3,135
+HK$180/mo
Deposit HK$610K · loan HK$610K · min. income ≈ HK$5,910/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,094
−HK$167/mo
▼ 0.25% · 3.875%
HK$3,176
−HK$85/mo
Today · 4.125%
HK$3,261
baseline
▲ 0.50% · 4.625%
HK$3,433
+HK$172/mo
Deposit HK$610K · loan HK$610K · min. income ≈ HK$6,522/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,337
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,441
−HK$105/mo
Today · 4.125%
HK$3,546
baseline
▲ 0.50% · 4.625%
HK$3,762
+HK$216/mo
Deposit HK$488K · loan HK$732K · min. income ≈ HK$7,092/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,712
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,812
−HK$101/mo
Today · 4.125%
HK$3,913
baseline
▲ 0.50% · 4.625%
HK$4,119
+HK$206/mo
Deposit HK$488K · loan HK$732K · min. income ≈ HK$7,826/mo (50% DSR)
Upfront cash ≈ HK$488K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,893
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,014
−HK$123/mo
Today · 4.125%
HK$4,137
baseline
▲ 0.50% · 4.625%
HK$4,389
+HK$252/mo
Deposit HK$366K · loan HK$854K · min. income ≈ HK$8,274/mo (50% DSR)
Upfront cash ≈ HK$366K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,331
−HK$234/mo
▼ 0.25% · 3.875%
HK$4,447
−HK$118/mo
Today · 4.125%
HK$4,565
baseline
▲ 0.50% · 4.625%
HK$4,806
+HK$241/mo
Deposit HK$366K · loan HK$854K · min. income ≈ HK$9,130/mo (50% DSR)
Upfront cash ≈ HK$366K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,005
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,161
−HK$158/mo
Today · 4.125%
HK$5,319
baseline
▲ 0.50% · 4.625%
HK$5,643
+HK$324/mo
Deposit HK$122K · loan HK$1.10M · min. income ≈ HK$10,638/mo (50% DSR)
Upfront cash ≈ HK$122K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,568
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,718
−HK$151/mo
Today · 4.125%
HK$5,869
baseline
▲ 0.50% · 4.625%
HK$6,179
+HK$310/mo
Deposit HK$122K · loan HK$1.10M · min. income ≈ HK$11,738/mo (50% DSR)
Upfront cash ≈ HK$122K (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).