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$2,030
−HK$127/mo
▼ 0.25% · 3.875%
HK$2,093
−HK$64/mo
Today · 4.125%
HK$2,157
baseline
▲ 0.50% · 4.625%
HK$2,288
+HK$131/mo
Deposit HK$445K · loan HK$445K · min. income ≈ HK$4,314/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,258
−HK$122/mo
▼ 0.25% · 3.875%
HK$2,319
−HK$61/mo
Today · 4.125%
HK$2,380
baseline
▲ 0.50% · 4.625%
HK$2,506
+HK$126/mo
Deposit HK$445K · loan HK$445K · min. income ≈ HK$4,760/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,436
−HK$153/mo
▼ 0.25% · 3.875%
HK$2,512
−HK$77/mo
Today · 4.125%
HK$2,589
baseline
▲ 0.50% · 4.625%
HK$2,746
+HK$157/mo
Deposit HK$356K · loan HK$534K · min. income ≈ HK$5,178/mo (50% DSR)
Upfront cash ≈ HK$356K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,710
−HK$146/mo
▼ 0.25% · 3.875%
HK$2,782
−HK$74/mo
Today · 4.125%
HK$2,856
baseline
▲ 0.50% · 4.625%
HK$3,007
+HK$151/mo
Deposit HK$356K · loan HK$534K · min. income ≈ HK$5,712/mo (50% DSR)
Upfront cash ≈ HK$356K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,842
−HK$178/mo
▼ 0.25% · 3.875%
HK$2,930
−HK$90/mo
Today · 4.125%
HK$3,020
baseline
▲ 0.50% · 4.625%
HK$3,204
+HK$184/mo
Deposit HK$267K · loan HK$623K · min. income ≈ HK$6,040/mo (50% DSR)
Upfront cash ≈ HK$267K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,161
−HK$171/mo
▼ 0.25% · 3.875%
HK$3,246
−HK$86/mo
Today · 4.125%
HK$3,332
baseline
▲ 0.50% · 4.625%
HK$3,508
+HK$176/mo
Deposit HK$267K · loan HK$623K · min. income ≈ HK$6,664/mo (50% DSR)
Upfront cash ≈ HK$267K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,654
−HK$229/mo
▼ 0.25% · 3.875%
HK$3,767
−HK$116/mo
Today · 4.125%
HK$3,883
baseline
▲ 0.50% · 4.625%
HK$4,119
+HK$236/mo
Deposit HK$89K · loan HK$801K · min. income ≈ HK$7,766/mo (50% DSR)
Upfront cash ≈ HK$89K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,065
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,174
−HK$110/mo
Today · 4.125%
HK$4,284
baseline
▲ 0.50% · 4.625%
HK$4,510
+HK$226/mo
Deposit HK$89K · loan HK$801K · min. income ≈ HK$8,568/mo (50% DSR)
Upfront cash ≈ HK$89K (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).