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$3,300
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,403
−HK$104/mo
Today · 4.125%
HK$3,507
baseline
▲ 0.50% · 4.625%
HK$3,720
+HK$213/mo
Deposit HK$724K · loan HK$724K · min. income ≈ HK$7,014/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,671
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,770
−HK$100/mo
Today · 4.125%
HK$3,870
baseline
▲ 0.50% · 4.625%
HK$4,074
+HK$204/mo
Deposit HK$724K · loan HK$724K · min. income ≈ HK$7,740/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,960
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,083
−HK$125/mo
Today · 4.125%
HK$4,208
baseline
▲ 0.50% · 4.625%
HK$4,465
+HK$257/mo
Deposit HK$579K · loan HK$868K · min. income ≈ HK$8,416/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,406
−HK$238/mo
▼ 0.25% · 3.875%
HK$4,524
−HK$120/mo
Today · 4.125%
HK$4,644
baseline
▲ 0.50% · 4.625%
HK$4,888
+HK$244/mo
Deposit HK$579K · loan HK$868K · min. income ≈ HK$9,288/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,620
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,764
−HK$146/mo
Today · 4.125%
HK$4,910
baseline
▲ 0.50% · 4.625%
HK$5,209
+HK$299/mo
Deposit HK$434K · loan HK$1.01M · min. income ≈ HK$9,820/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,140
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,278
−HK$140/mo
Today · 4.125%
HK$5,418
baseline
▲ 0.50% · 4.625%
HK$5,703
+HK$285/mo
Deposit HK$434K · loan HK$1.01M · min. income ≈ HK$10,836/mo (50% DSR)
Upfront cash ≈ HK$434K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,940
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,125
−HK$188/mo
Today · 4.125%
HK$6,313
baseline
▲ 0.50% · 4.625%
HK$6,697
+HK$384/mo
Deposit HK$145K · loan HK$1.30M · min. income ≈ HK$12,626/mo (50% DSR)
Upfront cash ≈ HK$145K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,608
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,786
−HK$179/mo
Today · 4.125%
HK$6,965
baseline
▲ 0.50% · 4.625%
HK$7,333
+HK$368/mo
Deposit HK$145K · loan HK$1.30M · min. income ≈ HK$13,930/mo (50% DSR)
Upfront cash ≈ HK$145K (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).