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$2,604
−HK$164/mo
▼ 0.25% · 3.875%
HK$2,685
−HK$83/mo
Today · 4.125%
HK$2,768
baseline
▲ 0.50% · 4.625%
HK$2,936
+HK$168/mo
Deposit HK$571K · loan HK$571K · min. income ≈ HK$5,536/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,897
−HK$157/mo
▼ 0.25% · 3.875%
HK$2,975
−HK$79/mo
Today · 4.125%
HK$3,054
baseline
▲ 0.50% · 4.625%
HK$3,215
+HK$161/mo
Deposit HK$571K · loan HK$571K · min. income ≈ HK$6,108/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 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$457K · loan HK$685K · min. income ≈ HK$6,642/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,477
−HK$187/mo
▼ 0.25% · 3.875%
HK$3,570
−HK$94/mo
Today · 4.125%
HK$3,664
baseline
▲ 0.50% · 4.625%
HK$3,858
+HK$194/mo
Deposit HK$457K · loan HK$685K · min. income ≈ HK$7,328/mo (50% DSR)
Upfront cash ≈ HK$457K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,646
−HK$229/mo
▼ 0.25% · 3.875%
HK$3,759
−HK$116/mo
Today · 4.125%
HK$3,875
baseline
▲ 0.50% · 4.625%
HK$4,110
+HK$235/mo
Deposit HK$343K · loan HK$799K · min. income ≈ HK$7,750/mo (50% DSR)
Upfront cash ≈ HK$343K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,056
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,165
−HK$110/mo
Today · 4.125%
HK$4,275
baseline
▲ 0.50% · 4.625%
HK$4,501
+HK$226/mo
Deposit HK$343K · loan HK$799K · min. income ≈ HK$8,550/mo (50% DSR)
Upfront cash ≈ HK$343K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,688
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,833
−HK$149/mo
Today · 4.125%
HK$4,982
baseline
▲ 0.50% · 4.625%
HK$5,285
+HK$303/mo
Deposit HK$114K · loan HK$1.03M · min. income ≈ HK$9,964/mo (50% DSR)
Upfront cash ≈ HK$114K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,215
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,355
−HK$142/mo
Today · 4.125%
HK$5,497
baseline
▲ 0.50% · 4.625%
HK$5,786
+HK$289/mo
Deposit HK$114K · loan HK$1.03M · min. income ≈ HK$10,994/mo (50% DSR)
Upfront cash ≈ HK$114K (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).