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$3,128
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,225
−HK$99/mo
Today · 4.125%
HK$3,324
baseline
▲ 0.50% · 4.625%
HK$3,526
+HK$202/mo
Deposit HK$686K · loan HK$686K · min. income ≈ HK$6,648/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,480
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,573
−HK$95/mo
Today · 4.125%
HK$3,668
baseline
▲ 0.50% · 4.625%
HK$3,861
+HK$193/mo
Deposit HK$686K · loan HK$686K · min. income ≈ HK$7,336/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,753
−HK$236/mo
▼ 0.25% · 3.875%
HK$3,870
−HK$119/mo
Today · 4.125%
HK$3,989
baseline
▲ 0.50% · 4.625%
HK$4,232
+HK$243/mo
Deposit HK$549K · loan HK$823K · min. income ≈ HK$7,978/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,176
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,288
−HK$113/mo
Today · 4.125%
HK$4,401
baseline
▲ 0.50% · 4.625%
HK$4,633
+HK$232/mo
Deposit HK$549K · loan HK$823K · min. income ≈ HK$8,802/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,379
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,515
−HK$139/mo
Today · 4.125%
HK$4,654
baseline
▲ 0.50% · 4.625%
HK$4,937
+HK$283/mo
Deposit HK$412K · loan HK$960K · min. income ≈ HK$9,308/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,872
−HK$263/mo
▼ 0.25% · 3.875%
HK$5,002
−HK$133/mo
Today · 4.125%
HK$5,135
baseline
▲ 0.50% · 4.625%
HK$5,406
+HK$271/mo
Deposit HK$412K · loan HK$960K · min. income ≈ HK$10,270/mo (50% DSR)
Upfront cash ≈ HK$412K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,630
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,805
−HK$178/mo
Today · 4.125%
HK$5,983
baseline
▲ 0.50% · 4.625%
HK$6,347
+HK$364/mo
Deposit HK$137K · loan HK$1.23M · min. income ≈ HK$11,966/mo (50% DSR)
Upfront cash ≈ HK$137K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,264
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,432
−HK$170/mo
Today · 4.125%
HK$6,602
baseline
▲ 0.50% · 4.625%
HK$6,950
+HK$348/mo
Deposit HK$137K · loan HK$1.23M · min. income ≈ HK$13,204/mo (50% DSR)
Upfront cash ≈ HK$137K (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).