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$2,612
−HK$163/mo
▼ 0.25% · 3.875%
HK$2,693
−HK$82/mo
Today · 4.125%
HK$2,775
baseline
▲ 0.50% · 4.625%
HK$2,944
+HK$169/mo
Deposit HK$573K · loan HK$573K · min. income ≈ HK$5,550/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,905
−HK$157/mo
▼ 0.25% · 3.875%
HK$2,983
−HK$79/mo
Today · 4.125%
HK$3,062
baseline
▲ 0.50% · 4.625%
HK$3,224
+HK$162/mo
Deposit HK$573K · loan HK$573K · min. income ≈ HK$6,124/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,134
−HK$197/mo
▼ 0.25% · 3.875%
HK$3,231
−HK$100/mo
Today · 4.125%
HK$3,331
baseline
▲ 0.50% · 4.625%
HK$3,533
+HK$202/mo
Deposit HK$458K · loan HK$687K · min. income ≈ HK$6,662/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,487
−HK$188/mo
▼ 0.25% · 3.875%
HK$3,580
−HK$95/mo
Today · 4.125%
HK$3,675
baseline
▲ 0.50% · 4.625%
HK$3,869
+HK$194/mo
Deposit HK$458K · loan HK$687K · min. income ≈ HK$7,350/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,656
−HK$230/mo
▼ 0.25% · 3.875%
HK$3,770
−HK$116/mo
Today · 4.125%
HK$3,886
baseline
▲ 0.50% · 4.625%
HK$4,122
+HK$236/mo
Deposit HK$344K · loan HK$802K · min. income ≈ HK$7,772/mo (50% DSR)
Upfront cash ≈ HK$344K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,068
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,177
−HK$110/mo
Today · 4.125%
HK$4,287
baseline
▲ 0.50% · 4.625%
HK$4,513
+HK$226/mo
Deposit HK$344K · loan HK$802K · min. income ≈ HK$8,574/mo (50% DSR)
Upfront cash ≈ HK$344K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,701
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,847
−HK$149/mo
Today · 4.125%
HK$4,996
baseline
▲ 0.50% · 4.625%
HK$5,300
+HK$304/mo
Deposit HK$115K · loan HK$1.03M · min. income ≈ HK$9,992/mo (50% DSR)
Upfront cash ≈ HK$115K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,230
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,370
−HK$142/mo
Today · 4.125%
HK$5,512
baseline
▲ 0.50% · 4.625%
HK$5,803
+HK$291/mo
Deposit HK$115K · loan HK$1.03M · min. income ≈ HK$11,024/mo (50% DSR)
Upfront cash ≈ HK$115K (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).