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$2,393
−HK$150/mo
▼ 0.25% · 3.875%
HK$2,467
−HK$76/mo
Today · 4.125%
HK$2,543
baseline
▲ 0.50% · 4.625%
HK$2,697
+HK$154/mo
Deposit HK$525K · loan HK$525K · min. income ≈ HK$5,086/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,662
−HK$144/mo
▼ 0.25% · 3.875%
HK$2,733
−HK$73/mo
Today · 4.125%
HK$2,806
baseline
▲ 0.50% · 4.625%
HK$2,954
+HK$148/mo
Deposit HK$525K · loan HK$525K · min. income ≈ HK$5,612/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,871
−HK$180/mo
▼ 0.25% · 3.875%
HK$2,961
−HK$90/mo
Today · 4.125%
HK$3,051
baseline
▲ 0.50% · 4.625%
HK$3,237
+HK$186/mo
Deposit HK$420K · loan HK$630K · min. income ≈ HK$6,102/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,194
−HK$173/mo
▼ 0.25% · 3.875%
HK$3,280
−HK$87/mo
Today · 4.125%
HK$3,367
baseline
▲ 0.50% · 4.625%
HK$3,544
+HK$177/mo
Deposit HK$420K · loan HK$630K · min. income ≈ HK$6,734/mo (50% DSR)
Upfront cash ≈ HK$420K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,350
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,454
−HK$106/mo
Today · 4.125%
HK$3,560
baseline
▲ 0.50% · 4.625%
HK$3,776
+HK$216/mo
Deposit HK$315K · loan HK$735K · min. income ≈ HK$7,120/mo (50% DSR)
Upfront cash ≈ HK$315K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,727
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,826
−HK$102/mo
Today · 4.125%
HK$3,928
baseline
▲ 0.50% · 4.625%
HK$4,135
+HK$207/mo
Deposit HK$315K · loan HK$735K · min. income ≈ HK$7,856/mo (50% DSR)
Upfront cash ≈ HK$315K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,307
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,441
−HK$136/mo
Today · 4.125%
HK$4,577
baseline
▲ 0.50% · 4.625%
HK$4,855
+HK$278/mo
Deposit HK$105K · loan HK$944K · min. income ≈ HK$9,154/mo (50% DSR)
Upfront cash ≈ HK$105K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,791
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,920
−HK$130/mo
Today · 4.125%
HK$5,050
baseline
▲ 0.50% · 4.625%
HK$5,316
+HK$266/mo
Deposit HK$105K · loan HK$944K · min. income ≈ HK$10,100/mo (50% DSR)
Upfront cash ≈ HK$105K (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).