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$2,461
−HK$154/mo
▼ 0.25% · 3.875%
HK$2,538
−HK$77/mo
Today · 4.125%
HK$2,615
baseline
▲ 0.50% · 4.625%
HK$2,774
+HK$159/mo
Deposit HK$540K · loan HK$540K · min. income ≈ HK$5,230/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,738
−HK$148/mo
▼ 0.25% · 3.875%
HK$2,811
−HK$75/mo
Today · 4.125%
HK$2,886
baseline
▲ 0.50% · 4.625%
HK$3,038
+HK$152/mo
Deposit HK$540K · loan HK$540K · min. income ≈ HK$5,772/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,953
−HK$185/mo
▼ 0.25% · 3.875%
HK$3,045
−HK$93/mo
Today · 4.125%
HK$3,138
baseline
▲ 0.50% · 4.625%
HK$3,329
+HK$191/mo
Deposit HK$432K · loan HK$648K · min. income ≈ HK$6,276/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,285
−HK$178/mo
▼ 0.25% · 3.875%
HK$3,374
−HK$89/mo
Today · 4.125%
HK$3,463
baseline
▲ 0.50% · 4.625%
HK$3,645
+HK$182/mo
Deposit HK$432K · loan HK$648K · min. income ≈ HK$6,926/mo (50% DSR)
Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,445
−HK$216/mo
▼ 0.25% · 3.875%
HK$3,553
−HK$108/mo
Today · 4.125%
HK$3,661
baseline
▲ 0.50% · 4.625%
HK$3,884
+HK$223/mo
Deposit HK$324K · loan HK$755K · min. income ≈ HK$7,322/mo (50% DSR)
Upfront cash ≈ HK$324K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,833
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,936
−HK$104/mo
Today · 4.125%
HK$4,040
baseline
▲ 0.50% · 4.625%
HK$4,253
+HK$213/mo
Deposit HK$324K · loan HK$755K · min. income ≈ HK$8,080/mo (50% DSR)
Upfront cash ≈ HK$324K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,430
−HK$278/mo
▼ 0.25% · 3.875%
HK$4,568
−HK$140/mo
Today · 4.125%
HK$4,708
baseline
▲ 0.50% · 4.625%
HK$4,994
+HK$286/mo
Deposit HK$108K · loan HK$971K · min. income ≈ HK$9,416/mo (50% DSR)
Upfront cash ≈ HK$108K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,928
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,060
−HK$134/mo
Today · 4.125%
HK$5,194
baseline
▲ 0.50% · 4.625%
HK$5,468
+HK$274/mo
Deposit HK$108K · loan HK$971K · min. income ≈ HK$10,388/mo (50% DSR)
Upfront cash ≈ HK$108K (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).