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$2,507
−HK$157/mo
▼ 0.25% · 3.875%
HK$2,585
−HK$79/mo
Today · 4.125%
HK$2,664
baseline
▲ 0.50% · 4.625%
HK$2,826
+HK$162/mo
Deposit HK$550K · loan HK$550K · min. income ≈ HK$5,328/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,789
−HK$150/mo
▼ 0.25% · 3.875%
HK$2,863
−HK$76/mo
Today · 4.125%
HK$2,939
baseline
▲ 0.50% · 4.625%
HK$3,094
+HK$155/mo
Deposit HK$550K · loan HK$550K · min. income ≈ HK$5,878/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,008
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,102
−HK$95/mo
Today · 4.125%
HK$3,197
baseline
▲ 0.50% · 4.625%
HK$3,391
+HK$194/mo
Deposit HK$440K · loan HK$660K · min. income ≈ HK$6,394/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,346
−HK$181/mo
▼ 0.25% · 3.875%
HK$3,436
−HK$91/mo
Today · 4.125%
HK$3,527
baseline
▲ 0.50% · 4.625%
HK$3,713
+HK$186/mo
Deposit HK$440K · loan HK$660K · min. income ≈ HK$7,054/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,509
−HK$220/mo
▼ 0.25% · 3.875%
HK$3,619
−HK$110/mo
Today · 4.125%
HK$3,729
baseline
▲ 0.50% · 4.625%
HK$3,956
+HK$227/mo
Deposit HK$330K · loan HK$770K · min. income ≈ HK$7,458/mo (50% DSR)
Upfront cash ≈ HK$330K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,904
−HK$211/mo
▼ 0.25% · 3.875%
HK$4,009
−HK$106/mo
Today · 4.125%
HK$4,115
baseline
▲ 0.50% · 4.625%
HK$4,332
+HK$217/mo
Deposit HK$330K · loan HK$770K · min. income ≈ HK$8,230/mo (50% DSR)
Upfront cash ≈ HK$330K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,512
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,652
−HK$143/mo
Today · 4.125%
HK$4,795
baseline
▲ 0.50% · 4.625%
HK$5,087
+HK$292/mo
Deposit HK$110K · loan HK$989K · min. income ≈ HK$9,590/mo (50% DSR)
Upfront cash ≈ HK$110K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,020
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,154
−HK$137/mo
Today · 4.125%
HK$5,291
baseline
▲ 0.50% · 4.625%
HK$5,570
+HK$279/mo
Deposit HK$110K · loan HK$989K · min. income ≈ HK$10,582/mo (50% DSR)
Upfront cash ≈ HK$110K (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).