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$2,013
−HK$127/mo
▼ 0.25% · 3.875%
HK$2,076
−HK$64/mo
Today · 4.125%
HK$2,140
baseline
▲ 0.50% · 4.625%
HK$2,270
+HK$130/mo
Deposit HK$441K · loan HK$441K · min. income ≈ HK$4,280/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,240
−HK$121/mo
▼ 0.25% · 3.875%
HK$2,300
−HK$61/mo
Today · 4.125%
HK$2,361
baseline
▲ 0.50% · 4.625%
HK$2,485
+HK$124/mo
Deposit HK$441K · loan HK$441K · min. income ≈ HK$4,722/mo (50% DSR)
Upfront cash ≈ HK$442K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,416
−HK$152/mo
▼ 0.25% · 3.875%
HK$2,491
−HK$77/mo
Today · 4.125%
HK$2,568
baseline
▲ 0.50% · 4.625%
HK$2,724
+HK$156/mo
Deposit HK$353K · loan HK$530K · min. income ≈ HK$5,136/mo (50% DSR)
Upfront cash ≈ HK$353K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,688
−HK$145/mo
▼ 0.25% · 3.875%
HK$2,760
−HK$73/mo
Today · 4.125%
HK$2,833
baseline
▲ 0.50% · 4.625%
HK$2,982
+HK$149/mo
Deposit HK$353K · loan HK$530K · min. income ≈ HK$5,666/mo (50% DSR)
Upfront cash ≈ HK$353K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,819
−HK$176/mo
▼ 0.25% · 3.875%
HK$2,906
−HK$89/mo
Today · 4.125%
HK$2,995
baseline
▲ 0.50% · 4.625%
HK$3,178
+HK$183/mo
Deposit HK$265K · loan HK$618K · min. income ≈ HK$5,990/mo (50% DSR)
Upfront cash ≈ HK$265K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,136
−HK$169/mo
▼ 0.25% · 3.875%
HK$3,220
−HK$85/mo
Today · 4.125%
HK$3,305
baseline
▲ 0.50% · 4.625%
HK$3,479
+HK$174/mo
Deposit HK$265K · loan HK$618K · min. income ≈ HK$6,610/mo (50% DSR)
Upfront cash ≈ HK$265K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,624
−HK$227/mo
▼ 0.25% · 3.875%
HK$3,737
−HK$114/mo
Today · 4.125%
HK$3,851
baseline
▲ 0.50% · 4.625%
HK$4,086
+HK$235/mo
Deposit HK$88K · loan HK$795K · min. income ≈ HK$7,702/mo (50% DSR)
Upfront cash ≈ HK$88K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,032
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,140
−HK$110/mo
Today · 4.125%
HK$4,250
baseline
▲ 0.50% · 4.625%
HK$4,474
+HK$224/mo
Deposit HK$88K · loan HK$795K · min. income ≈ HK$8,500/mo (50% DSR)
Upfront cash ≈ HK$88K (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).