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$2,668
−HK$167/mo
▼ 0.25% · 3.875%
HK$2,751
−HK$84/mo
Today · 4.125%
HK$2,835
baseline
▲ 0.50% · 4.625%
HK$3,008
+HK$173/mo
Deposit HK$585K · loan HK$585K · min. income ≈ HK$5,670/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,968
−HK$161/mo
▼ 0.25% · 3.875%
HK$3,048
−HK$81/mo
Today · 4.125%
HK$3,129
baseline
▲ 0.50% · 4.625%
HK$3,293
+HK$164/mo
Deposit HK$585K · loan HK$585K · min. income ≈ HK$6,258/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,202
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,301
−HK$101/mo
Today · 4.125%
HK$3,402
baseline
▲ 0.50% · 4.625%
HK$3,609
+HK$207/mo
Deposit HK$468K · loan HK$702K · min. income ≈ HK$6,804/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,562
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,657
−HK$97/mo
Today · 4.125%
HK$3,754
baseline
▲ 0.50% · 4.625%
HK$3,952
+HK$198/mo
Deposit HK$468K · loan HK$702K · min. income ≈ HK$7,508/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,735
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,851
−HK$119/mo
Today · 4.125%
HK$3,970
baseline
▲ 0.50% · 4.625%
HK$4,211
+HK$241/mo
Deposit HK$351K · loan HK$819K · min. income ≈ HK$7,940/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$4,155
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,267
−HK$113/mo
Today · 4.125%
HK$4,380
baseline
▲ 0.50% · 4.625%
HK$4,611
+HK$231/mo
Deposit HK$351K · loan HK$819K · min. income ≈ HK$8,760/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$4,803
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,952
−HK$152/mo
Today · 4.125%
HK$5,104
baseline
▲ 0.50% · 4.625%
HK$5,414
+HK$310/mo
Deposit HK$117K · loan HK$1.05M · min. income ≈ HK$10,208/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$5,343
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,486
−HK$145/mo
Today · 4.125%
HK$5,631
baseline
▲ 0.50% · 4.625%
HK$5,928
+HK$297/mo
Deposit HK$117K · loan HK$1.05M · min. income ≈ HK$11,262/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).