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$2,980
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,073
−HK$94/mo
Today · 4.125%
HK$3,167
baseline
▲ 0.50% · 4.625%
HK$3,360
+HK$193/mo
Deposit HK$654K · loan HK$654K · min. income ≈ HK$6,334/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,316
−HK$179/mo
▼ 0.25% · 3.875%
HK$3,405
−HK$90/mo
Today · 4.125%
HK$3,495
baseline
▲ 0.50% · 4.625%
HK$3,679
+HK$184/mo
Deposit HK$654K · loan HK$654K · min. income ≈ HK$6,990/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,577
−HK$224/mo
▼ 0.25% · 3.875%
HK$3,688
−HK$113/mo
Today · 4.125%
HK$3,801
baseline
▲ 0.50% · 4.625%
HK$4,032
+HK$231/mo
Deposit HK$523K · loan HK$784K · min. income ≈ HK$7,602/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,979
−HK$215/mo
▼ 0.25% · 3.875%
HK$4,086
−HK$108/mo
Today · 4.125%
HK$4,194
baseline
▲ 0.50% · 4.625%
HK$4,415
+HK$221/mo
Deposit HK$523K · loan HK$784K · min. income ≈ HK$8,388/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,173
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,302
−HK$132/mo
Today · 4.125%
HK$4,434
baseline
▲ 0.50% · 4.625%
HK$4,704
+HK$270/mo
Deposit HK$392K · loan HK$915K · min. income ≈ HK$8,868/mo (50% DSR)
Upfront cash ≈ HK$392K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,642
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,766
−HK$127/mo
Today · 4.125%
HK$4,893
baseline
▲ 0.50% · 4.625%
HK$5,151
+HK$258/mo
Deposit HK$392K · loan HK$915K · min. income ≈ HK$9,786/mo (50% DSR)
Upfront cash ≈ HK$392K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,365
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,532
−HK$169/mo
Today · 4.125%
HK$5,701
baseline
▲ 0.50% · 4.625%
HK$6,048
+HK$347/mo
Deposit HK$131K · loan HK$1.18M · min. income ≈ HK$11,402/mo (50% DSR)
Upfront cash ≈ HK$131K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,968
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,128
−HK$163/mo
Today · 4.125%
HK$6,291
baseline
▲ 0.50% · 4.625%
HK$6,622
+HK$331/mo
Deposit HK$131K · loan HK$1.18M · min. income ≈ HK$12,582/mo (50% DSR)
Upfront cash ≈ HK$131K (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).