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$2,254
−HK$141/mo
▼ 0.25% · 3.875%
HK$2,324
−HK$71/mo
Today · 4.125%
HK$2,395
baseline
▲ 0.50% · 4.625%
HK$2,541
+HK$146/mo
Deposit HK$494K · loan HK$494K · min. income ≈ HK$4,790/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,507
−HK$136/mo
▼ 0.25% · 3.875%
HK$2,575
−HK$68/mo
Today · 4.125%
HK$2,643
baseline
▲ 0.50% · 4.625%
HK$2,782
+HK$139/mo
Deposit HK$494K · loan HK$494K · min. income ≈ HK$5,286/mo (50% DSR)
Upfront cash ≈ HK$494K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,705
−HK$169/mo
▼ 0.25% · 3.875%
HK$2,789
−HK$85/mo
Today · 4.125%
HK$2,874
baseline
▲ 0.50% · 4.625%
HK$3,049
+HK$175/mo
Deposit HK$395K · loan HK$593K · min. income ≈ HK$5,748/mo (50% DSR)
Upfront cash ≈ HK$395K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,009
−HK$162/mo
▼ 0.25% · 3.875%
HK$3,089
−HK$82/mo
Today · 4.125%
HK$3,171
baseline
▲ 0.50% · 4.625%
HK$3,338
+HK$167/mo
Deposit HK$395K · loan HK$593K · min. income ≈ HK$6,342/mo (50% DSR)
Upfront cash ≈ HK$395K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,155
−HK$198/mo
▼ 0.25% · 3.875%
HK$3,253
−HK$100/mo
Today · 4.125%
HK$3,353
baseline
▲ 0.50% · 4.625%
HK$3,557
+HK$204/mo
Deposit HK$297K · loan HK$692K · min. income ≈ HK$6,706/mo (50% DSR)
Upfront cash ≈ HK$297K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,510
−HK$190/mo
▼ 0.25% · 3.875%
HK$3,604
−HK$96/mo
Today · 4.125%
HK$3,700
baseline
▲ 0.50% · 4.625%
HK$3,895
+HK$195/mo
Deposit HK$297K · loan HK$692K · min. income ≈ HK$7,400/mo (50% DSR)
Upfront cash ≈ HK$297K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,057
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,183
−HK$128/mo
Today · 4.125%
HK$4,311
baseline
▲ 0.50% · 4.625%
HK$4,574
+HK$263/mo
Deposit HK$99K · loan HK$890K · min. income ≈ HK$8,622/mo (50% DSR)
Upfront cash ≈ HK$99K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,513
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,634
−HK$123/mo
Today · 4.125%
HK$4,757
baseline
▲ 0.50% · 4.625%
HK$5,008
+HK$251/mo
Deposit HK$99K · loan HK$890K · min. income ≈ HK$9,514/mo (50% DSR)
Upfront cash ≈ HK$99K (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).