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$2,771
−HK$173/mo
▼ 0.25% · 3.875%
HK$2,857
−HK$87/mo
Today · 4.125%
HK$2,944
baseline
▲ 0.50% · 4.625%
HK$3,123
+HK$179/mo
Deposit HK$608K · loan HK$608K · min. income ≈ HK$5,888/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,082
−HK$167/mo
▼ 0.25% · 3.875%
HK$3,165
−HK$84/mo
Today · 4.125%
HK$3,249
baseline
▲ 0.50% · 4.625%
HK$3,420
+HK$171/mo
Deposit HK$608K · loan HK$608K · min. income ≈ HK$6,498/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,325
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,428
−HK$105/mo
Today · 4.125%
HK$3,533
baseline
▲ 0.50% · 4.625%
HK$3,748
+HK$215/mo
Deposit HK$486K · loan HK$729K · min. income ≈ HK$7,066/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,699
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,798
−HK$101/mo
Today · 4.125%
HK$3,899
baseline
▲ 0.50% · 4.625%
HK$4,104
+HK$205/mo
Deposit HK$486K · loan HK$729K · min. income ≈ HK$7,798/mo (50% DSR)
Upfront cash ≈ HK$486K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,879
−HK$243/mo
▼ 0.25% · 3.875%
HK$3,999
−HK$123/mo
Today · 4.125%
HK$4,122
baseline
▲ 0.50% · 4.625%
HK$4,373
+HK$251/mo
Deposit HK$365K · loan HK$851K · min. income ≈ HK$8,244/mo (50% DSR)
Upfront cash ≈ HK$365K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,315
−HK$233/mo
▼ 0.25% · 3.875%
HK$4,431
−HK$117/mo
Today · 4.125%
HK$4,548
baseline
▲ 0.50% · 4.625%
HK$4,788
+HK$240/mo
Deposit HK$365K · loan HK$851K · min. income ≈ HK$9,096/mo (50% DSR)
Upfront cash ≈ HK$365K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,987
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,142
−HK$158/mo
Today · 4.125%
HK$5,300
baseline
▲ 0.50% · 4.625%
HK$5,622
+HK$322/mo
Deposit HK$122K · loan HK$1.09M · min. income ≈ HK$10,600/mo (50% DSR)
Upfront cash ≈ HK$122K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,548
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,697
−HK$151/mo
Today · 4.125%
HK$5,848
baseline
▲ 0.50% · 4.625%
HK$6,156
+HK$308/mo
Deposit HK$122K · loan HK$1.09M · min. income ≈ HK$11,696/mo (50% DSR)
Upfront cash ≈ HK$122K (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).