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$2,675
−HK$168/mo
▼ 0.25% · 3.875%
HK$2,758
−HK$85/mo
Today · 4.125%
HK$2,843
baseline
▲ 0.50% · 4.625%
HK$3,016
+HK$173/mo
Deposit HK$587K · loan HK$587K · min. income ≈ HK$5,686/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,976
−HK$161/mo
▼ 0.25% · 3.875%
HK$3,056
−HK$81/mo
Today · 4.125%
HK$3,137
baseline
▲ 0.50% · 4.625%
HK$3,302
+HK$165/mo
Deposit HK$587K · loan HK$587K · min. income ≈ HK$6,274/mo (50% DSR)
Upfront cash ≈ HK$587K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,210
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,310
−HK$101/mo
Today · 4.125%
HK$3,411
baseline
▲ 0.50% · 4.625%
HK$3,619
+HK$208/mo
Deposit HK$469K · loan HK$704K · min. income ≈ HK$6,822/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,571
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,667
−HK$97/mo
Today · 4.125%
HK$3,764
baseline
▲ 0.50% · 4.625%
HK$3,962
+HK$198/mo
Deposit HK$469K · loan HK$704K · min. income ≈ HK$7,528/mo (50% DSR)
Upfront cash ≈ HK$469K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,745
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,862
−HK$118/mo
Today · 4.125%
HK$3,980
baseline
▲ 0.50% · 4.625%
HK$4,222
+HK$242/mo
Deposit HK$352K · loan HK$821K · min. income ≈ HK$7,960/mo (50% DSR)
Upfront cash ≈ HK$352K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,166
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,278
−HK$113/mo
Today · 4.125%
HK$4,391
baseline
▲ 0.50% · 4.625%
HK$4,623
+HK$232/mo
Deposit HK$352K · loan HK$821K · min. income ≈ HK$8,782/mo (50% DSR)
Upfront cash ≈ HK$352K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,815
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,965
−HK$152/mo
Today · 4.125%
HK$5,117
baseline
▲ 0.50% · 4.625%
HK$5,428
+HK$311/mo
Deposit HK$117K · loan HK$1.06M · min. income ≈ HK$10,234/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$5,357
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,500
−HK$146/mo
Today · 4.125%
HK$5,646
baseline
▲ 0.50% · 4.625%
HK$5,944
+HK$298/mo
Deposit HK$117K · loan HK$1.06M · min. income ≈ HK$11,292/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).