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$3,085
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,181
−HK$98/mo
Today · 4.125%
HK$3,279
baseline
▲ 0.50% · 4.625%
HK$3,479
+HK$200/mo
Deposit HK$677K · loan HK$677K · min. income ≈ HK$6,558/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,433
−HK$185/mo
▼ 0.25% · 3.875%
HK$3,525
−HK$93/mo
Today · 4.125%
HK$3,618
baseline
▲ 0.50% · 4.625%
HK$3,809
+HK$191/mo
Deposit HK$677K · loan HK$677K · min. income ≈ HK$7,236/mo (50% DSR)
Upfront cash ≈ HK$677K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,703
−HK$232/mo
▼ 0.25% · 3.875%
HK$3,818
−HK$117/mo
Today · 4.125%
HK$3,935
baseline
▲ 0.50% · 4.625%
HK$4,174
+HK$239/mo
Deposit HK$541K · loan HK$812K · min. income ≈ HK$7,870/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,119
−HK$223/mo
▼ 0.25% · 3.875%
HK$4,230
−HK$112/mo
Today · 4.125%
HK$4,342
baseline
▲ 0.50% · 4.625%
HK$4,570
+HK$228/mo
Deposit HK$541K · loan HK$812K · min. income ≈ HK$8,684/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,320
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,454
−HK$137/mo
Today · 4.125%
HK$4,591
baseline
▲ 0.50% · 4.625%
HK$4,870
+HK$279/mo
Deposit HK$406K · loan HK$947K · min. income ≈ HK$9,182/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,806
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,935
−HK$130/mo
Today · 4.125%
HK$5,065
baseline
▲ 0.50% · 4.625%
HK$5,332
+HK$267/mo
Deposit HK$406K · loan HK$947K · min. income ≈ HK$10,130/mo (50% DSR)
Upfront cash ≈ HK$406K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,554
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,727
−HK$175/mo
Today · 4.125%
HK$5,902
baseline
▲ 0.50% · 4.625%
HK$6,261
+HK$359/mo
Deposit HK$135K · loan HK$1.22M · min. income ≈ HK$11,804/mo (50% DSR)
Upfront cash ≈ HK$135K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,179
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,344
−HK$168/mo
Today · 4.125%
HK$6,512
baseline
▲ 0.50% · 4.625%
HK$6,856
+HK$344/mo
Deposit HK$135K · loan HK$1.22M · min. income ≈ HK$13,024/mo (50% DSR)
Upfront cash ≈ HK$135K (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).