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$2,121
−HK$133/mo
▼ 0.25% · 3.875%
HK$2,187
−HK$67/mo
Today · 4.125%
HK$2,254
baseline
▲ 0.50% · 4.625%
HK$2,391
+HK$137/mo
Deposit HK$465K · loan HK$465K · min. income ≈ HK$4,508/mo (50% DSR)
Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,360
−HK$127/mo
▼ 0.25% · 3.875%
HK$2,423
−HK$64/mo
Today · 4.125%
HK$2,487
baseline
▲ 0.50% · 4.625%
HK$2,619
+HK$132/mo
Deposit HK$465K · loan HK$465K · min. income ≈ HK$4,974/mo (50% DSR)
Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,546
−HK$159/mo
▼ 0.25% · 3.875%
HK$2,625
−HK$80/mo
Today · 4.125%
HK$2,705
baseline
▲ 0.50% · 4.625%
HK$2,870
+HK$165/mo
Deposit HK$372K · loan HK$558K · min. income ≈ HK$5,410/mo (50% DSR)
Upfront cash ≈ HK$372K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,832
−HK$153/mo
▼ 0.25% · 3.875%
HK$2,908
−HK$77/mo
Today · 4.125%
HK$2,985
baseline
▲ 0.50% · 4.625%
HK$3,142
+HK$157/mo
Deposit HK$372K · loan HK$558K · min. income ≈ HK$5,970/mo (50% DSR)
Upfront cash ≈ HK$372K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,970
−HK$186/mo
▼ 0.25% · 3.875%
HK$3,062
−HK$94/mo
Today · 4.125%
HK$3,156
baseline
▲ 0.50% · 4.625%
HK$3,348
+HK$192/mo
Deposit HK$279K · loan HK$651K · min. income ≈ HK$6,312/mo (50% DSR)
Upfront cash ≈ HK$279K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,304
−HK$178/mo
▼ 0.25% · 3.875%
HK$3,392
−HK$90/mo
Today · 4.125%
HK$3,482
baseline
▲ 0.50% · 4.625%
HK$3,666
+HK$184/mo
Deposit HK$279K · loan HK$651K · min. income ≈ HK$6,964/mo (50% DSR)
Upfront cash ≈ HK$279K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,818
−HK$240/mo
▼ 0.25% · 3.875%
HK$3,937
−HK$121/mo
Today · 4.125%
HK$4,058
baseline
▲ 0.50% · 4.625%
HK$4,305
+HK$247/mo
Deposit HK$93K · loan HK$837K · min. income ≈ HK$8,116/mo (50% DSR)
Upfront cash ≈ HK$93K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,248
−HK$229/mo
▼ 0.25% · 3.875%
HK$4,362
−HK$115/mo
Today · 4.125%
HK$4,477
baseline
▲ 0.50% · 4.625%
HK$4,713
+HK$236/mo
Deposit HK$93K · loan HK$837K · min. income ≈ HK$8,954/mo (50% DSR)
Upfront cash ≈ HK$93K (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).