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$3,059
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,155
−HK$96/mo
Today · 4.125%
HK$3,251
baseline
▲ 0.50% · 4.625%
HK$3,449
+HK$198/mo
Deposit HK$671K · loan HK$671K · min. income ≈ HK$6,502/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,404
−HK$183/mo
▼ 0.25% · 3.875%
HK$3,495
−HK$92/mo
Today · 4.125%
HK$3,587
baseline
▲ 0.50% · 4.625%
HK$3,776
+HK$189/mo
Deposit HK$671K · loan HK$671K · min. income ≈ HK$7,174/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,671
−HK$230/mo
▼ 0.25% · 3.875%
HK$3,785
−HK$116/mo
Today · 4.125%
HK$3,901
baseline
▲ 0.50% · 4.625%
HK$4,139
+HK$238/mo
Deposit HK$537K · loan HK$805K · min. income ≈ HK$7,802/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,084
−HK$221/mo
▼ 0.25% · 3.875%
HK$4,194
−HK$111/mo
Today · 4.125%
HK$4,305
baseline
▲ 0.50% · 4.625%
HK$4,532
+HK$227/mo
Deposit HK$537K · loan HK$805K · min. income ≈ HK$8,610/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,283
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,416
−HK$136/mo
Today · 4.125%
HK$4,552
baseline
▲ 0.50% · 4.625%
HK$4,829
+HK$277/mo
Deposit HK$403K · loan HK$939K · min. income ≈ HK$9,104/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,765
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,893
−HK$129/mo
Today · 4.125%
HK$5,022
baseline
▲ 0.50% · 4.625%
HK$5,287
+HK$265/mo
Deposit HK$403K · loan HK$939K · min. income ≈ HK$10,044/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,507
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,678
−HK$174/mo
Today · 4.125%
HK$5,852
baseline
▲ 0.50% · 4.625%
HK$6,208
+HK$356/mo
Deposit HK$134K · loan HK$1.21M · min. income ≈ HK$11,704/mo (50% DSR)
Upfront cash ≈ HK$134K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,126
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,291
−HK$166/mo
Today · 4.125%
HK$6,457
baseline
▲ 0.50% · 4.625%
HK$6,798
+HK$341/mo
Deposit HK$134K · loan HK$1.21M · min. income ≈ HK$12,914/mo (50% DSR)
Upfront cash ≈ HK$134K (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).