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$2,812
−HK$176/mo
▼ 0.25% · 3.875%
HK$2,900
−HK$88/mo
Today · 4.125%
HK$2,988
baseline
▲ 0.50% · 4.625%
HK$3,170
+HK$182/mo
Deposit HK$617K · loan HK$617K · min. income ≈ HK$5,976/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,128
−HK$170/mo
▼ 0.25% · 3.875%
HK$3,212
−HK$86/mo
Today · 4.125%
HK$3,298
baseline
▲ 0.50% · 4.625%
HK$3,471
+HK$173/mo
Deposit HK$617K · loan HK$617K · min. income ≈ HK$6,596/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,375
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,480
−HK$106/mo
Today · 4.125%
HK$3,586
baseline
▲ 0.50% · 4.625%
HK$3,804
+HK$218/mo
Deposit HK$493K · loan HK$740K · min. income ≈ HK$7,172/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,754
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,855
−HK$102/mo
Today · 4.125%
HK$3,957
baseline
▲ 0.50% · 4.625%
HK$4,166
+HK$209/mo
Deposit HK$493K · loan HK$740K · min. income ≈ HK$7,914/mo (50% DSR)
Upfront cash ≈ HK$493K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,937
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,059
−HK$125/mo
Today · 4.125%
HK$4,184
baseline
▲ 0.50% · 4.625%
HK$4,438
+HK$254/mo
Deposit HK$370K · loan HK$863K · min. income ≈ HK$8,368/mo (50% DSR)
Upfront cash ≈ HK$370K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,380
−HK$237/mo
▼ 0.25% · 3.875%
HK$4,497
−HK$120/mo
Today · 4.125%
HK$4,617
baseline
▲ 0.50% · 4.625%
HK$4,860
+HK$243/mo
Deposit HK$370K · loan HK$863K · min. income ≈ HK$9,234/mo (50% DSR)
Upfront cash ≈ HK$370K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,062
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,219
−HK$160/mo
Today · 4.125%
HK$5,379
baseline
▲ 0.50% · 4.625%
HK$5,707
+HK$328/mo
Deposit HK$123K · loan HK$1.11M · min. income ≈ HK$10,758/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$5,631
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,782
−HK$154/mo
Today · 4.125%
HK$5,936
baseline
▲ 0.50% · 4.625%
HK$6,248
+HK$312/mo
Deposit HK$123K · loan HK$1.11M · min. income ≈ HK$11,872/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).