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$2,445
−HK$154/mo
▼ 0.25% · 3.875%
HK$2,522
−HK$77/mo
Today · 4.125%
HK$2,599
baseline
▲ 0.50% · 4.625%
HK$2,757
+HK$158/mo
Deposit HK$536K · loan HK$536K · min. income ≈ HK$5,198/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,721
−HK$147/mo
▼ 0.25% · 3.875%
HK$2,794
−HK$74/mo
Today · 4.125%
HK$2,868
baseline
▲ 0.50% · 4.625%
HK$3,019
+HK$151/mo
Deposit HK$536K · loan HK$536K · min. income ≈ HK$5,736/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,935
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,026
−HK$93/mo
Today · 4.125%
HK$3,119
baseline
▲ 0.50% · 4.625%
HK$3,308
+HK$189/mo
Deposit HK$429K · loan HK$643K · min. income ≈ HK$6,238/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,265
−HK$176/mo
▼ 0.25% · 3.875%
HK$3,352
−HK$89/mo
Today · 4.125%
HK$3,441
baseline
▲ 0.50% · 4.625%
HK$3,622
+HK$181/mo
Deposit HK$429K · loan HK$643K · min. income ≈ HK$6,882/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,424
−HK$214/mo
▼ 0.25% · 3.875%
HK$3,530
−HK$108/mo
Today · 4.125%
HK$3,638
baseline
▲ 0.50% · 4.625%
HK$3,860
+HK$222/mo
Deposit HK$322K · loan HK$751K · min. income ≈ HK$7,276/mo (50% DSR)
Upfront cash ≈ HK$322K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,809
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,911
−HK$104/mo
Today · 4.125%
HK$4,015
baseline
▲ 0.50% · 4.625%
HK$4,226
+HK$211/mo
Deposit HK$322K · loan HK$751K · min. income ≈ HK$8,030/mo (50% DSR)
Upfront cash ≈ HK$322K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,402
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,539
−HK$139/mo
Today · 4.125%
HK$4,678
baseline
▲ 0.50% · 4.625%
HK$4,963
+HK$285/mo
Deposit HK$107K · loan HK$965K · min. income ≈ HK$9,356/mo (50% DSR)
Upfront cash ≈ HK$107K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,897
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,028
−HK$134/mo
Today · 4.125%
HK$5,162
baseline
▲ 0.50% · 4.625%
HK$5,434
+HK$272/mo
Deposit HK$107K · loan HK$965K · min. income ≈ HK$10,324/mo (50% DSR)
Upfront cash ≈ HK$107K (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).