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$2,798
−HK$176/mo
▼ 0.25% · 3.875%
HK$2,885
−HK$89/mo
Today · 4.125%
HK$2,974
baseline
▲ 0.50% · 4.625%
HK$3,155
+HK$181/mo
Deposit HK$614K · loan HK$614K · min. income ≈ HK$5,948/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,113
−HK$168/mo
▼ 0.25% · 3.875%
HK$3,196
−HK$85/mo
Today · 4.125%
HK$3,281
baseline
▲ 0.50% · 4.625%
HK$3,454
+HK$173/mo
Deposit HK$614K · loan HK$614K · min. income ≈ HK$6,562/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,358
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,462
−HK$106/mo
Today · 4.125%
HK$3,568
baseline
▲ 0.50% · 4.625%
HK$3,785
+HK$217/mo
Deposit HK$491K · loan HK$736K · min. income ≈ HK$7,136/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,735
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,836
−HK$101/mo
Today · 4.125%
HK$3,937
baseline
▲ 0.50% · 4.625%
HK$4,145
+HK$208/mo
Deposit HK$491K · loan HK$736K · min. income ≈ HK$7,874/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,917
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,039
−HK$124/mo
Today · 4.125%
HK$4,163
baseline
▲ 0.50% · 4.625%
HK$4,416
+HK$253/mo
Deposit HK$368K · loan HK$859K · min. income ≈ HK$8,326/mo (50% DSR)
Upfront cash ≈ HK$368K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,358
−HK$235/mo
▼ 0.25% · 3.875%
HK$4,475
−HK$118/mo
Today · 4.125%
HK$4,593
baseline
▲ 0.50% · 4.625%
HK$4,836
+HK$243/mo
Deposit HK$368K · loan HK$859K · min. income ≈ HK$9,186/mo (50% DSR)
Upfront cash ≈ HK$368K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,037
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,193
−HK$159/mo
Today · 4.125%
HK$5,352
baseline
▲ 0.50% · 4.625%
HK$5,678
+HK$326/mo
Deposit HK$123K · loan HK$1.10M · min. income ≈ HK$10,704/mo (50% DSR)
Upfront cash ≈ HK$123K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,603
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,753
−HK$153/mo
Today · 4.125%
HK$5,906
baseline
▲ 0.50% · 4.625%
HK$6,217
+HK$311/mo
Deposit HK$123K · loan HK$1.10M · min. income ≈ HK$11,812/mo (50% DSR)
Upfront cash ≈ HK$123K (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).