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$3,018
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,112
−HK$96/mo
Today · 4.125%
HK$3,208
baseline
▲ 0.50% · 4.625%
HK$3,403
+HK$195/mo
Deposit HK$662K · loan HK$662K · min. income ≈ HK$6,416/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,358
−HK$181/mo
▼ 0.25% · 3.875%
HK$3,448
−HK$91/mo
Today · 4.125%
HK$3,539
baseline
▲ 0.50% · 4.625%
HK$3,726
+HK$187/mo
Deposit HK$662K · loan HK$662K · min. income ≈ HK$7,078/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,622
−HK$227/mo
▼ 0.25% · 3.875%
HK$3,735
−HK$114/mo
Today · 4.125%
HK$3,849
baseline
▲ 0.50% · 4.625%
HK$4,083
+HK$234/mo
Deposit HK$529K · loan HK$794K · min. income ≈ HK$7,698/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,029
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,137
−HK$110/mo
Today · 4.125%
HK$4,247
baseline
▲ 0.50% · 4.625%
HK$4,471
+HK$224/mo
Deposit HK$529K · loan HK$794K · min. income ≈ HK$8,494/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,226
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,357
−HK$134/mo
Today · 4.125%
HK$4,491
baseline
▲ 0.50% · 4.625%
HK$4,764
+HK$273/mo
Deposit HK$397K · loan HK$927K · min. income ≈ HK$8,982/mo (50% DSR)
Upfront cash ≈ HK$397K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,701
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,827
−HK$128/mo
Today · 4.125%
HK$4,955
baseline
▲ 0.50% · 4.625%
HK$5,216
+HK$261/mo
Deposit HK$397K · loan HK$927K · min. income ≈ HK$9,910/mo (50% DSR)
Upfront cash ≈ HK$397K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,433
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,602
−HK$172/mo
Today · 4.125%
HK$5,774
baseline
▲ 0.50% · 4.625%
HK$6,125
+HK$351/mo
Deposit HK$132K · loan HK$1.19M · min. income ≈ HK$11,548/mo (50% DSR)
Upfront cash ≈ HK$132K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,044
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,206
−HK$165/mo
Today · 4.125%
HK$6,371
baseline
▲ 0.50% · 4.625%
HK$6,706
+HK$335/mo
Deposit HK$132K · loan HK$1.19M · min. income ≈ HK$12,742/mo (50% DSR)
Upfront cash ≈ HK$132K (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).