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$2,948
−HK$185/mo
▼ 0.25% · 3.875%
HK$3,040
−HK$93/mo
Today · 4.125%
HK$3,133
baseline
▲ 0.50% · 4.625%
HK$3,324
+HK$191/mo
Deposit HK$646K · loan HK$646K · min. income ≈ HK$6,266/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,280
−HK$177/mo
▼ 0.25% · 3.875%
HK$3,368
−HK$89/mo
Today · 4.125%
HK$3,457
baseline
▲ 0.50% · 4.625%
HK$3,639
+HK$182/mo
Deposit HK$646K · loan HK$646K · min. income ≈ HK$6,914/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,538
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,648
−HK$111/mo
Today · 4.125%
HK$3,759
baseline
▲ 0.50% · 4.625%
HK$3,988
+HK$229/mo
Deposit HK$517K · loan HK$776K · min. income ≈ HK$7,518/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,936
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,041
−HK$107/mo
Today · 4.125%
HK$4,148
baseline
▲ 0.50% · 4.625%
HK$4,367
+HK$219/mo
Deposit HK$517K · loan HK$776K · min. income ≈ HK$8,296/mo (50% DSR)
Upfront cash ≈ HK$517K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,127
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,256
−HK$130/mo
Today · 4.125%
HK$4,386
baseline
▲ 0.50% · 4.625%
HK$4,653
+HK$267/mo
Deposit HK$388K · loan HK$905K · min. income ≈ HK$8,772/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,592
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,715
−HK$125/mo
Today · 4.125%
HK$4,840
baseline
▲ 0.50% · 4.625%
HK$5,095
+HK$255/mo
Deposit HK$388K · loan HK$905K · min. income ≈ HK$9,680/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,306
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,471
−HK$168/mo
Today · 4.125%
HK$5,639
baseline
▲ 0.50% · 4.625%
HK$5,982
+HK$343/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$11,278/mo (50% DSR)
Upfront cash ≈ HK$129K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,903
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,062
−HK$160/mo
Today · 4.125%
HK$6,222
baseline
▲ 0.50% · 4.625%
HK$6,550
+HK$328/mo
Deposit HK$129K · loan HK$1.16M · min. income ≈ HK$12,444/mo (50% DSR)
Upfront cash ≈ HK$129K (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).