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$2,968
−HK$186/mo
▼ 0.25% · 3.875%
HK$3,060
−HK$94/mo
Today · 4.125%
HK$3,154
baseline
▲ 0.50% · 4.625%
HK$3,346
+HK$192/mo
Deposit HK$651K · loan HK$651K · min. income ≈ HK$6,308/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,302
−HK$178/mo
▼ 0.25% · 3.875%
HK$3,390
−HK$90/mo
Today · 4.125%
HK$3,480
baseline
▲ 0.50% · 4.625%
HK$3,664
+HK$184/mo
Deposit HK$651K · loan HK$651K · min. income ≈ HK$6,960/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,562
−HK$223/mo
▼ 0.25% · 3.875%
HK$3,672
−HK$113/mo
Today · 4.125%
HK$3,785
baseline
▲ 0.50% · 4.625%
HK$4,015
+HK$230/mo
Deposit HK$521K · loan HK$781K · min. income ≈ HK$7,570/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,962
−HK$214/mo
▼ 0.25% · 3.875%
HK$4,069
−HK$107/mo
Today · 4.125%
HK$4,176
baseline
▲ 0.50% · 4.625%
HK$4,397
+HK$221/mo
Deposit HK$521K · loan HK$781K · min. income ≈ HK$8,352/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,155
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,285
−HK$131/mo
Today · 4.125%
HK$4,416
baseline
▲ 0.50% · 4.625%
HK$4,685
+HK$269/mo
Deposit HK$390K · loan HK$911K · min. income ≈ HK$8,832/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,623
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,747
−HK$125/mo
Today · 4.125%
HK$4,872
baseline
▲ 0.50% · 4.625%
HK$5,129
+HK$257/mo
Deposit HK$390K · loan HK$911K · min. income ≈ HK$9,744/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,342
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,509
−HK$169/mo
Today · 4.125%
HK$5,678
baseline
▲ 0.50% · 4.625%
HK$6,023
+HK$345/mo
Deposit HK$130K · loan HK$1.17M · min. income ≈ HK$11,356/mo (50% DSR)
Upfront cash ≈ HK$130K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,943
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,103
−HK$162/mo
Today · 4.125%
HK$6,265
baseline
▲ 0.50% · 4.625%
HK$6,595
+HK$330/mo
Deposit HK$130K · loan HK$1.17M · min. income ≈ HK$12,530/mo (50% DSR)
Upfront cash ≈ HK$130K (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).