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$2,664
−HK$167/mo
▼ 0.25% · 3.875%
HK$2,747
−HK$84/mo
Today · 4.125%
HK$2,831
baseline
▲ 0.50% · 4.625%
HK$3,003
+HK$172/mo
Deposit HK$584K · loan HK$584K · min. income ≈ HK$5,662/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,963
−HK$160/mo
▼ 0.25% · 3.875%
HK$3,043
−HK$80/mo
Today · 4.125%
HK$3,123
baseline
▲ 0.50% · 4.625%
HK$3,288
+HK$165/mo
Deposit HK$584K · loan HK$584K · min. income ≈ HK$6,246/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,196
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,296
−HK$101/mo
Today · 4.125%
HK$3,397
baseline
▲ 0.50% · 4.625%
HK$3,604
+HK$207/mo
Deposit HK$467K · loan HK$701K · min. income ≈ HK$6,794/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,556
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,651
−HK$97/mo
Today · 4.125%
HK$3,748
baseline
▲ 0.50% · 4.625%
HK$3,946
+HK$198/mo
Deposit HK$467K · loan HK$701K · min. income ≈ HK$7,496/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,729
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,845
−HK$118/mo
Today · 4.125%
HK$3,963
baseline
▲ 0.50% · 4.625%
HK$4,204
+HK$241/mo
Deposit HK$350K · loan HK$818K · min. income ≈ HK$7,926/mo (50% DSR)
Upfront cash ≈ HK$351K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,149
−HK$224/mo
▼ 0.25% · 3.875%
HK$4,260
−HK$113/mo
Today · 4.125%
HK$4,373
baseline
▲ 0.50% · 4.625%
HK$4,603
+HK$230/mo
Deposit HK$350K · loan HK$818K · min. income ≈ HK$8,746/mo (50% DSR)
Upfront cash ≈ HK$351K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,795
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,944
−HK$151/mo
Today · 4.125%
HK$5,095
baseline
▲ 0.50% · 4.625%
HK$5,405
+HK$310/mo
Deposit HK$117K · loan HK$1.05M · min. income ≈ HK$10,190/mo (50% DSR)
Upfront cash ≈ HK$117K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,334
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,477
−HK$145/mo
Today · 4.125%
HK$5,622
baseline
▲ 0.50% · 4.625%
HK$5,918
+HK$296/mo
Deposit HK$117K · loan HK$1.05M · min. income ≈ HK$11,244/mo (50% DSR)
Upfront cash ≈ HK$117K (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).