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$2,868
−HK$180/mo
▼ 0.25% · 3.875%
HK$2,957
−HK$91/mo
Today · 4.125%
HK$3,048
baseline
▲ 0.50% · 4.625%
HK$3,233
+HK$185/mo
Deposit HK$629K · loan HK$629K · min. income ≈ HK$6,096/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,191
−HK$172/mo
▼ 0.25% · 3.875%
HK$3,276
−HK$87/mo
Today · 4.125%
HK$3,363
baseline
▲ 0.50% · 4.625%
HK$3,540
+HK$177/mo
Deposit HK$629K · loan HK$629K · min. income ≈ HK$6,726/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,442
−HK$216/mo
▼ 0.25% · 3.875%
HK$3,549
−HK$109/mo
Today · 4.125%
HK$3,658
baseline
▲ 0.50% · 4.625%
HK$3,880
+HK$222/mo
Deposit HK$503K · loan HK$755K · min. income ≈ HK$7,316/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,829
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,932
−HK$104/mo
Today · 4.125%
HK$4,036
baseline
▲ 0.50% · 4.625%
HK$4,249
+HK$213/mo
Deposit HK$503K · loan HK$755K · min. income ≈ HK$8,072/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,015
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,140
−HK$127/mo
Today · 4.125%
HK$4,267
baseline
▲ 0.50% · 4.625%
HK$4,527
+HK$260/mo
Deposit HK$377K · loan HK$880K · min. income ≈ HK$8,534/mo (50% DSR)
Upfront cash ≈ HK$377K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,467
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,587
−HK$121/mo
Today · 4.125%
HK$4,708
baseline
▲ 0.50% · 4.625%
HK$4,957
+HK$249/mo
Deposit HK$377K · loan HK$880K · min. income ≈ HK$9,416/mo (50% DSR)
Upfront cash ≈ HK$377K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,163
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,323
−HK$163/mo
Today · 4.125%
HK$5,486
baseline
▲ 0.50% · 4.625%
HK$5,820
+HK$334/mo
Deposit HK$126K · loan HK$1.13M · min. income ≈ HK$10,972/mo (50% DSR)
Upfront cash ≈ HK$126K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,743
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,897
−HK$157/mo
Today · 4.125%
HK$6,054
baseline
▲ 0.50% · 4.625%
HK$6,373
+HK$319/mo
Deposit HK$126K · loan HK$1.13M · min. income ≈ HK$12,108/mo (50% DSR)
Upfront cash ≈ HK$126K (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).