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$2,397
−HK$151/mo
▼ 0.25% · 3.875%
HK$2,472
−HK$76/mo
Today · 4.125%
HK$2,548
baseline
▲ 0.50% · 4.625%
HK$2,703
+HK$155/mo
Deposit HK$526K · loan HK$526K · min. income ≈ HK$5,096/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,667
−HK$144/mo
▼ 0.25% · 3.875%
HK$2,739
−HK$72/mo
Today · 4.125%
HK$2,811
baseline
▲ 0.50% · 4.625%
HK$2,959
+HK$148/mo
Deposit HK$526K · loan HK$526K · min. income ≈ HK$5,622/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,877
−HK$180/mo
▼ 0.25% · 3.875%
HK$2,966
−HK$91/mo
Today · 4.125%
HK$3,057
baseline
▲ 0.50% · 4.625%
HK$3,243
+HK$186/mo
Deposit HK$421K · loan HK$631K · min. income ≈ HK$6,114/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,201
−HK$172/mo
▼ 0.25% · 3.875%
HK$3,286
−HK$87/mo
Today · 4.125%
HK$3,373
baseline
▲ 0.50% · 4.625%
HK$3,551
+HK$178/mo
Deposit HK$421K · loan HK$631K · min. income ≈ HK$6,746/mo (50% DSR)
Upfront cash ≈ HK$421K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,356
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,461
−HK$106/mo
Today · 4.125%
HK$3,567
baseline
▲ 0.50% · 4.625%
HK$3,784
+HK$217/mo
Deposit HK$315K · loan HK$736K · min. income ≈ HK$7,134/mo (50% DSR)
Upfront cash ≈ HK$316K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,734
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,834
−HK$102/mo
Today · 4.125%
HK$3,936
baseline
▲ 0.50% · 4.625%
HK$4,143
+HK$207/mo
Deposit HK$315K · loan HK$736K · min. income ≈ HK$7,872/mo (50% DSR)
Upfront cash ≈ HK$316K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,315
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,450
−HK$136/mo
Today · 4.125%
HK$4,586
baseline
▲ 0.50% · 4.625%
HK$4,865
+HK$279/mo
Deposit HK$105K · loan HK$946K · min. income ≈ HK$9,172/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$4,801
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,930
−HK$130/mo
Today · 4.125%
HK$5,060
baseline
▲ 0.50% · 4.625%
HK$5,327
+HK$267/mo
Deposit HK$105K · loan HK$946K · min. income ≈ HK$10,120/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).