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$3,129
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,226
−HK$99/mo
Today · 4.125%
HK$3,325
baseline
▲ 0.50% · 4.625%
HK$3,527
+HK$202/mo
Deposit HK$686K · loan HK$686K · min. income ≈ HK$6,650/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$3,481
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,574
−HK$95/mo
Today · 4.125%
HK$3,669
baseline
▲ 0.50% · 4.625%
HK$3,862
+HK$193/mo
Deposit HK$686K · loan HK$686K · min. income ≈ HK$7,338/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$3,755
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,872
−HK$118/mo
Today · 4.125%
HK$3,990
baseline
▲ 0.50% · 4.625%
HK$4,233
+HK$243/mo
Deposit HK$549K · loan HK$823K · min. income ≈ HK$7,980/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$4,177
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,289
−HK$114/mo
Today · 4.125%
HK$4,403
baseline
▲ 0.50% · 4.625%
HK$4,635
+HK$232/mo
Deposit HK$549K · loan HK$823K · min. income ≈ HK$8,806/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$4,380
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,517
−HK$138/mo
Today · 4.125%
HK$4,655
baseline
▲ 0.50% · 4.625%
HK$4,938
+HK$283/mo
Deposit HK$412K · loan HK$961K · min. income ≈ HK$9,310/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$4,873
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,004
−HK$133/mo
Today · 4.125%
HK$5,137
baseline
▲ 0.50% · 4.625%
HK$5,407
+HK$270/mo
Deposit HK$412K · loan HK$961K · min. income ≈ HK$10,274/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$5,632
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,807
−HK$178/mo
Today · 4.125%
HK$5,985
baseline
▲ 0.50% · 4.625%
HK$6,349
+HK$364/mo
Deposit HK$137K · loan HK$1.23M · min. income ≈ HK$11,970/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$6,266
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,434
−HK$170/mo
Today · 4.125%
HK$6,604
baseline
▲ 0.50% · 4.625%
HK$6,952
+HK$348/mo
Deposit HK$137K · loan HK$1.23M · min. income ≈ HK$13,208/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).