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$3,250
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,351
−HK$103/mo
Today · 4.125%
HK$3,454
baseline
▲ 0.50% · 4.625%
HK$3,664
+HK$210/mo
Deposit HK$713K · loan HK$713K · min. income ≈ HK$6,908/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,616
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,713
−HK$98/mo
Today · 4.125%
HK$3,811
baseline
▲ 0.50% · 4.625%
HK$4,012
+HK$201/mo
Deposit HK$713K · loan HK$713K · min. income ≈ HK$7,622/mo (50% DSR)
Upfront cash ≈ HK$713K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,900
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,021
−HK$124/mo
Today · 4.125%
HK$4,145
baseline
▲ 0.50% · 4.625%
HK$4,397
+HK$252/mo
Deposit HK$570K · loan HK$855K · min. income ≈ HK$8,290/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,339
−HK$234/mo
▼ 0.25% · 3.875%
HK$4,455
−HK$118/mo
Today · 4.125%
HK$4,573
baseline
▲ 0.50% · 4.625%
HK$4,814
+HK$241/mo
Deposit HK$570K · loan HK$855K · min. income ≈ HK$9,146/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,550
−HK$285/mo
▼ 0.25% · 3.875%
HK$4,691
−HK$144/mo
Today · 4.125%
HK$4,835
baseline
▲ 0.50% · 4.625%
HK$5,129
+HK$294/mo
Deposit HK$428K · loan HK$998K · min. income ≈ HK$9,670/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,062
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,198
−HK$137/mo
Today · 4.125%
HK$5,335
baseline
▲ 0.50% · 4.625%
HK$5,616
+HK$281/mo
Deposit HK$428K · loan HK$998K · min. income ≈ HK$10,670/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,850
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,032
−HK$185/mo
Today · 4.125%
HK$6,217
baseline
▲ 0.50% · 4.625%
HK$6,595
+HK$378/mo
Deposit HK$143K · loan HK$1.28M · min. income ≈ HK$12,434/mo (50% DSR)
Upfront cash ≈ HK$143K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,508
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,683
−HK$177/mo
Today · 4.125%
HK$6,860
baseline
▲ 0.50% · 4.625%
HK$7,221
+HK$361/mo
Deposit HK$143K · loan HK$1.28M · min. income ≈ HK$13,720/mo (50% DSR)
Upfront cash ≈ HK$143K (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).