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$3,140
−HK$197/mo
▼ 0.25% · 3.875%
HK$3,238
−HK$99/mo
Today · 4.125%
HK$3,337
baseline
▲ 0.50% · 4.625%
HK$3,540
+HK$203/mo
Deposit HK$689K · loan HK$689K · min. income ≈ HK$6,674/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,493
−HK$189/mo
▼ 0.25% · 3.875%
HK$3,587
−HK$95/mo
Today · 4.125%
HK$3,682
baseline
▲ 0.50% · 4.625%
HK$3,876
+HK$194/mo
Deposit HK$689K · loan HK$689K · min. income ≈ HK$7,364/mo (50% DSR)
Upfront cash ≈ HK$689K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,768
−HK$236/mo
▼ 0.25% · 3.875%
HK$3,885
−HK$119/mo
Today · 4.125%
HK$4,004
baseline
▲ 0.50% · 4.625%
HK$4,248
+HK$244/mo
Deposit HK$551K · loan HK$826K · min. income ≈ HK$8,008/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,192
−HK$226/mo
▼ 0.25% · 3.875%
HK$4,304
−HK$114/mo
Today · 4.125%
HK$4,418
baseline
▲ 0.50% · 4.625%
HK$4,651
+HK$233/mo
Deposit HK$551K · loan HK$826K · min. income ≈ HK$8,836/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,396
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,533
−HK$139/mo
Today · 4.125%
HK$4,672
baseline
▲ 0.50% · 4.625%
HK$4,956
+HK$284/mo
Deposit HK$413K · loan HK$964K · min. income ≈ HK$9,344/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,890
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,022
−HK$133/mo
Today · 4.125%
HK$5,155
baseline
▲ 0.50% · 4.625%
HK$5,426
+HK$271/mo
Deposit HK$413K · loan HK$964K · min. income ≈ HK$10,310/mo (50% DSR)
Upfront cash ≈ HK$413K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,652
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,828
−HK$178/mo
Today · 4.125%
HK$6,006
baseline
▲ 0.50% · 4.625%
HK$6,372
+HK$366/mo
Deposit HK$138K · loan HK$1.24M · min. income ≈ HK$12,012/mo (50% DSR)
Upfront cash ≈ HK$138K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,288
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,456
−HK$171/mo
Today · 4.125%
HK$6,627
baseline
▲ 0.50% · 4.625%
HK$6,977
+HK$350/mo
Deposit HK$138K · loan HK$1.24M · min. income ≈ HK$13,254/mo (50% DSR)
Upfront cash ≈ HK$138K (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).