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$3,222
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,322
−HK$102/mo
Today · 4.125%
HK$3,424
baseline
▲ 0.50% · 4.625%
HK$3,633
+HK$209/mo
Deposit HK$707K · loan HK$707K · min. income ≈ HK$6,848/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,585
−HK$193/mo
▼ 0.25% · 3.875%
HK$3,681
−HK$97/mo
Today · 4.125%
HK$3,778
baseline
▲ 0.50% · 4.625%
HK$3,977
+HK$199/mo
Deposit HK$707K · loan HK$707K · min. income ≈ HK$7,556/mo (50% DSR)
Upfront cash ≈ HK$707K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,867
−HK$242/mo
▼ 0.25% · 3.875%
HK$3,987
−HK$122/mo
Today · 4.125%
HK$4,109
baseline
▲ 0.50% · 4.625%
HK$4,359
+HK$250/mo
Deposit HK$565K · loan HK$848K · min. income ≈ HK$8,218/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,302
−HK$232/mo
▼ 0.25% · 3.875%
HK$4,417
−HK$117/mo
Today · 4.125%
HK$4,534
baseline
▲ 0.50% · 4.625%
HK$4,773
+HK$239/mo
Deposit HK$565K · loan HK$848K · min. income ≈ HK$9,068/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,511
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,651
−HK$143/mo
Today · 4.125%
HK$4,794
baseline
▲ 0.50% · 4.625%
HK$5,086
+HK$292/mo
Deposit HK$424K · loan HK$989K · min. income ≈ HK$9,588/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,019
−HK$271/mo
▼ 0.25% · 3.875%
HK$5,153
−HK$137/mo
Today · 4.125%
HK$5,290
baseline
▲ 0.50% · 4.625%
HK$5,568
+HK$278/mo
Deposit HK$424K · loan HK$989K · min. income ≈ HK$10,580/mo (50% DSR)
Upfront cash ≈ HK$424K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,800
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,980
−HK$184/mo
Today · 4.125%
HK$6,164
baseline
▲ 0.50% · 4.625%
HK$6,539
+HK$375/mo
Deposit HK$141K · loan HK$1.27M · min. income ≈ HK$12,328/mo (50% DSR)
Upfront cash ≈ HK$141K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,452
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,625
−HK$176/mo
Today · 4.125%
HK$6,801
baseline
▲ 0.50% · 4.625%
HK$7,159
+HK$358/mo
Deposit HK$141K · loan HK$1.27M · min. income ≈ HK$13,602/mo (50% DSR)
Upfront cash ≈ HK$141K (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).