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$1,801
−HK$113/mo
▼ 0.25% · 3.875%
HK$1,857
−HK$57/mo
Today · 4.125%
HK$1,914
baseline
▲ 0.50% · 4.625%
HK$2,030
+HK$116/mo
Deposit HK$395K · loan HK$395K · min. income ≈ HK$3,828/mo (50% DSR)
Upfront cash ≈ HK$395K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,003
−HK$109/mo
▼ 0.25% · 3.875%
HK$2,057
−HK$55/mo
Today · 4.125%
HK$2,112
baseline
▲ 0.50% · 4.625%
HK$2,223
+HK$111/mo
Deposit HK$395K · loan HK$395K · min. income ≈ HK$4,224/mo (50% DSR)
Upfront cash ≈ HK$395K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,161
−HK$136/mo
▼ 0.25% · 3.875%
HK$2,228
−HK$69/mo
Today · 4.125%
HK$2,297
baseline
▲ 0.50% · 4.625%
HK$2,436
+HK$139/mo
Deposit HK$316K · loan HK$474K · min. income ≈ HK$4,594/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$2,404
−HK$130/mo
▼ 0.25% · 3.875%
HK$2,469
−HK$65/mo
Today · 4.125%
HK$2,534
baseline
▲ 0.50% · 4.625%
HK$2,668
+HK$134/mo
Deposit HK$316K · loan HK$474K · min. income ≈ HK$5,068/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$2,521
−HK$158/mo
▼ 0.25% · 3.875%
HK$2,600
−HK$79/mo
Today · 4.125%
HK$2,679
baseline
▲ 0.50% · 4.625%
HK$2,842
+HK$163/mo
Deposit HK$237K · loan HK$553K · min. income ≈ HK$5,358/mo (50% DSR)
Upfront cash ≈ HK$237K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,805
−HK$151/mo
▼ 0.25% · 3.875%
HK$2,880
−HK$76/mo
Today · 4.125%
HK$2,956
baseline
▲ 0.50% · 4.625%
HK$3,112
+HK$156/mo
Deposit HK$237K · loan HK$553K · min. income ≈ HK$5,912/mo (50% DSR)
Upfront cash ≈ HK$237K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,242
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,342
−HK$103/mo
Today · 4.125%
HK$3,445
baseline
▲ 0.50% · 4.625%
HK$3,655
+HK$210/mo
Deposit HK$79K · loan HK$711K · min. income ≈ HK$6,890/mo (50% DSR)
Upfront cash ≈ HK$79K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,606
−HK$195/mo
▼ 0.25% · 3.875%
HK$3,703
−HK$98/mo
Today · 4.125%
HK$3,801
baseline
▲ 0.50% · 4.625%
HK$4,001
+HK$200/mo
Deposit HK$79K · loan HK$711K · min. income ≈ HK$7,602/mo (50% DSR)
Upfront cash ≈ HK$79K (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).