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$2,187
−HK$137/mo
▼ 0.25% · 3.875%
HK$2,255
−HK$69/mo
Today · 4.125%
HK$2,324
baseline
▲ 0.50% · 4.625%
HK$2,466
+HK$142/mo
Deposit HK$480K · loan HK$480K · min. income ≈ HK$4,648/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,433
−HK$132/mo
▼ 0.25% · 3.875%
HK$2,498
−HK$67/mo
Today · 4.125%
HK$2,565
baseline
▲ 0.50% · 4.625%
HK$2,700
+HK$135/mo
Deposit HK$480K · loan HK$480K · min. income ≈ HK$5,130/mo (50% DSR)
Upfront cash ≈ HK$480K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,625
−HK$164/mo
▼ 0.25% · 3.875%
HK$2,706
−HK$83/mo
Today · 4.125%
HK$2,789
baseline
▲ 0.50% · 4.625%
HK$2,959
+HK$170/mo
Deposit HK$384K · loan HK$575K · min. income ≈ HK$5,578/mo (50% DSR)
Upfront cash ≈ HK$384K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,920
−HK$158/mo
▼ 0.25% · 3.875%
HK$2,998
−HK$80/mo
Today · 4.125%
HK$3,078
baseline
▲ 0.50% · 4.625%
HK$3,240
+HK$162/mo
Deposit HK$384K · loan HK$575K · min. income ≈ HK$6,156/mo (50% DSR)
Upfront cash ≈ HK$384K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,062
−HK$192/mo
▼ 0.25% · 3.875%
HK$3,157
−HK$97/mo
Today · 4.125%
HK$3,254
baseline
▲ 0.50% · 4.625%
HK$3,452
+HK$198/mo
Deposit HK$288K · loan HK$671K · min. income ≈ HK$6,508/mo (50% DSR)
Upfront cash ≈ HK$288K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,406
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,498
−HK$92/mo
Today · 4.125%
HK$3,590
baseline
▲ 0.50% · 4.625%
HK$3,780
+HK$190/mo
Deposit HK$288K · loan HK$671K · min. income ≈ HK$7,180/mo (50% DSR)
Upfront cash ≈ HK$288K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,937
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,059
−HK$125/mo
Today · 4.125%
HK$4,184
baseline
▲ 0.50% · 4.625%
HK$4,438
+HK$254/mo
Deposit HK$96K · loan HK$863K · min. income ≈ HK$8,368/mo (50% DSR)
Upfront cash ≈ HK$96K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,380
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,497
−HK$119/mo
Today · 4.125%
HK$4,616
baseline
▲ 0.50% · 4.625%
HK$4,860
+HK$244/mo
Deposit HK$96K · loan HK$863K · min. income ≈ HK$9,232/mo (50% DSR)
Upfront cash ≈ HK$96K (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).