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$2,838
−HK$178/mo
▼ 0.25% · 3.875%
HK$2,926
−HK$90/mo
Today · 4.125%
HK$3,016
baseline
▲ 0.50% · 4.625%
HK$3,199
+HK$183/mo
Deposit HK$622K · loan HK$622K · min. income ≈ HK$6,032/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,157
−HK$171/mo
▼ 0.25% · 3.875%
HK$3,242
−HK$86/mo
Today · 4.125%
HK$3,328
baseline
▲ 0.50% · 4.625%
HK$3,503
+HK$175/mo
Deposit HK$622K · loan HK$622K · min. income ≈ HK$6,656/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,405
−HK$214/mo
▼ 0.25% · 3.875%
HK$3,511
−HK$108/mo
Today · 4.125%
HK$3,619
baseline
▲ 0.50% · 4.625%
HK$3,839
+HK$220/mo
Deposit HK$498K · loan HK$747K · min. income ≈ HK$7,238/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,788
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,890
−HK$103/mo
Today · 4.125%
HK$3,993
baseline
▲ 0.50% · 4.625%
HK$4,204
+HK$211/mo
Deposit HK$498K · loan HK$747K · min. income ≈ HK$7,986/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,973
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,096
−HK$126/mo
Today · 4.125%
HK$4,222
baseline
▲ 0.50% · 4.625%
HK$4,479
+HK$257/mo
Deposit HK$373K · loan HK$871K · min. income ≈ HK$8,444/mo (50% DSR)
Upfront cash ≈ HK$373K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,420
−HK$239/mo
▼ 0.25% · 3.875%
HK$4,538
−HK$121/mo
Today · 4.125%
HK$4,659
baseline
▲ 0.50% · 4.625%
HK$4,904
+HK$245/mo
Deposit HK$373K · loan HK$871K · min. income ≈ HK$9,318/mo (50% DSR)
Upfront cash ≈ HK$373K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,108
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,267
−HK$161/mo
Today · 4.125%
HK$5,428
baseline
▲ 0.50% · 4.625%
HK$5,759
+HK$331/mo
Deposit HK$124K · loan HK$1.12M · min. income ≈ HK$10,856/mo (50% DSR)
Upfront cash ≈ HK$125K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,683
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,835
−HK$155/mo
Today · 4.125%
HK$5,990
baseline
▲ 0.50% · 4.625%
HK$6,305
+HK$315/mo
Deposit HK$124K · loan HK$1.12M · min. income ≈ HK$11,980/mo (50% DSR)
Upfront cash ≈ HK$125K (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).