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$3,125
−HK$196/mo
▼ 0.25% · 3.875%
HK$3,222
−HK$99/mo
Today · 4.125%
HK$3,321
baseline
▲ 0.50% · 4.625%
HK$3,523
+HK$202/mo
Deposit HK$685K · loan HK$685K · min. income ≈ HK$6,642/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,477
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,570
−HK$95/mo
Today · 4.125%
HK$3,665
baseline
▲ 0.50% · 4.625%
HK$3,858
+HK$193/mo
Deposit HK$685K · loan HK$685K · min. income ≈ HK$7,330/mo (50% DSR)
Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,750
−HK$235/mo
▼ 0.25% · 3.875%
HK$3,867
−HK$118/mo
Today · 4.125%
HK$3,985
baseline
▲ 0.50% · 4.625%
HK$4,228
+HK$243/mo
Deposit HK$548K · loan HK$822K · min. income ≈ HK$7,970/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,172
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,284
−HK$114/mo
Today · 4.125%
HK$4,398
baseline
▲ 0.50% · 4.625%
HK$4,629
+HK$231/mo
Deposit HK$548K · loan HK$822K · min. income ≈ HK$8,796/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,375
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,511
−HK$139/mo
Today · 4.125%
HK$4,650
baseline
▲ 0.50% · 4.625%
HK$4,933
+HK$283/mo
Deposit HK$411K · loan HK$959K · min. income ≈ HK$9,300/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,867
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,998
−HK$132/mo
Today · 4.125%
HK$5,130
baseline
▲ 0.50% · 4.625%
HK$5,401
+HK$271/mo
Deposit HK$411K · loan HK$959K · min. income ≈ HK$10,260/mo (50% DSR)
Upfront cash ≈ HK$411K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,625
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,800
−HK$178/mo
Today · 4.125%
HK$5,978
baseline
▲ 0.50% · 4.625%
HK$6,342
+HK$364/mo
Deposit HK$137K · loan HK$1.23M · min. income ≈ HK$11,956/mo (50% DSR)
Upfront cash ≈ HK$137K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,258
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,426
−HK$170/mo
Today · 4.125%
HK$6,596
baseline
▲ 0.50% · 4.625%
HK$6,944
+HK$348/mo
Deposit HK$137K · loan HK$1.23M · min. income ≈ HK$13,192/mo (50% DSR)
Upfront cash ≈ HK$137K (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).