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$2,130
−HK$134/mo
▼ 0.25% · 3.875%
HK$2,196
−HK$68/mo
Today · 4.125%
HK$2,264
baseline
▲ 0.50% · 4.625%
HK$2,401
+HK$137/mo
Deposit HK$467K · loan HK$467K · min. income ≈ HK$4,528/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,370
−HK$128/mo
▼ 0.25% · 3.875%
HK$2,433
−HK$65/mo
Today · 4.125%
HK$2,498
baseline
▲ 0.50% · 4.625%
HK$2,629
+HK$131/mo
Deposit HK$467K · loan HK$467K · min. income ≈ HK$4,996/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,556
−HK$160/mo
▼ 0.25% · 3.875%
HK$2,636
−HK$80/mo
Today · 4.125%
HK$2,716
baseline
▲ 0.50% · 4.625%
HK$2,882
+HK$166/mo
Deposit HK$374K · loan HK$561K · min. income ≈ HK$5,432/mo (50% DSR)
Upfront cash ≈ HK$374K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,844
−HK$153/mo
▼ 0.25% · 3.875%
HK$2,920
−HK$77/mo
Today · 4.125%
HK$2,997
baseline
▲ 0.50% · 4.625%
HK$3,155
+HK$158/mo
Deposit HK$374K · loan HK$561K · min. income ≈ HK$5,994/mo (50% DSR)
Upfront cash ≈ HK$374K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,982
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,075
−HK$94/mo
Today · 4.125%
HK$3,169
baseline
▲ 0.50% · 4.625%
HK$3,362
+HK$193/mo
Deposit HK$280K · loan HK$654K · min. income ≈ HK$6,338/mo (50% DSR)
Upfront cash ≈ HK$280K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,318
−HK$179/mo
▼ 0.25% · 3.875%
HK$3,407
−HK$90/mo
Today · 4.125%
HK$3,497
baseline
▲ 0.50% · 4.625%
HK$3,681
+HK$184/mo
Deposit HK$280K · loan HK$654K · min. income ≈ HK$6,994/mo (50% DSR)
Upfront cash ≈ HK$280K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,834
−HK$241/mo
▼ 0.25% · 3.875%
HK$3,954
−HK$121/mo
Today · 4.125%
HK$4,075
baseline
▲ 0.50% · 4.625%
HK$4,323
+HK$248/mo
Deposit HK$93K · loan HK$841K · min. income ≈ HK$8,150/mo (50% DSR)
Upfront cash ≈ HK$94K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,266
−HK$230/mo
▼ 0.25% · 3.875%
HK$4,380
−HK$116/mo
Today · 4.125%
HK$4,496
baseline
▲ 0.50% · 4.625%
HK$4,733
+HK$237/mo
Deposit HK$93K · loan HK$841K · min. income ≈ HK$8,992/mo (50% DSR)
Upfront cash ≈ HK$94K (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).