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$1,974
−HK$124/mo
▼ 0.25% · 3.875%
HK$2,035
−HK$63/mo
Today · 4.125%
HK$2,098
baseline
▲ 0.50% · 4.625%
HK$2,225
+HK$127/mo
Deposit HK$433K · loan HK$433K · min. income ≈ HK$4,196/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,196
−HK$119/mo
▼ 0.25% · 3.875%
HK$2,255
−HK$60/mo
Today · 4.125%
HK$2,315
baseline
▲ 0.50% · 4.625%
HK$2,437
+HK$122/mo
Deposit HK$433K · loan HK$433K · min. income ≈ HK$4,630/mo (50% DSR)
Upfront cash ≈ HK$433K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,369
−HK$148/mo
▼ 0.25% · 3.875%
HK$2,442
−HK$75/mo
Today · 4.125%
HK$2,517
baseline
▲ 0.50% · 4.625%
HK$2,670
+HK$153/mo
Deposit HK$346K · loan HK$519K · min. income ≈ HK$5,034/mo (50% DSR)
Upfront cash ≈ HK$346K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,635
−HK$143/mo
▼ 0.25% · 3.875%
HK$2,706
−HK$72/mo
Today · 4.125%
HK$2,778
baseline
▲ 0.50% · 4.625%
HK$2,924
+HK$146/mo
Deposit HK$346K · loan HK$519K · min. income ≈ HK$5,556/mo (50% DSR)
Upfront cash ≈ HK$346K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,763
−HK$174/mo
▼ 0.25% · 3.875%
HK$2,849
−HK$88/mo
Today · 4.125%
HK$2,937
baseline
▲ 0.50% · 4.625%
HK$3,115
+HK$178/mo
Deposit HK$260K · loan HK$606K · min. income ≈ HK$5,874/mo (50% DSR)
Upfront cash ≈ HK$260K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,074
−HK$166/mo
▼ 0.25% · 3.875%
HK$3,157
−HK$83/mo
Today · 4.125%
HK$3,240
baseline
▲ 0.50% · 4.625%
HK$3,411
+HK$171/mo
Deposit HK$260K · loan HK$606K · min. income ≈ HK$6,480/mo (50% DSR)
Upfront cash ≈ HK$260K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,553
−HK$223/mo
▼ 0.25% · 3.875%
HK$3,664
−HK$112/mo
Today · 4.125%
HK$3,776
baseline
▲ 0.50% · 4.625%
HK$4,006
+HK$230/mo
Deposit HK$87K · loan HK$779K · min. income ≈ HK$7,552/mo (50% DSR)
Upfront cash ≈ HK$87K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,953
−HK$213/mo
▼ 0.25% · 3.875%
HK$4,059
−HK$107/mo
Today · 4.125%
HK$4,166
baseline
▲ 0.50% · 4.625%
HK$4,386
+HK$220/mo
Deposit HK$87K · loan HK$779K · min. income ≈ HK$8,332/mo (50% DSR)
Upfront cash ≈ HK$87K (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).