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$3,897
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,018
−HK$123/mo
Today · 4.125%
HK$4,141
baseline
▲ 0.50% · 4.625%
HK$4,393
+HK$252/mo
Deposit HK$854K · loan HK$854K · min. income ≈ HK$8,282/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,335
−HK$234/mo
▼ 0.25% · 3.875%
HK$4,451
−HK$118/mo
Today · 4.125%
HK$4,569
baseline
▲ 0.50% · 4.625%
HK$4,810
+HK$241/mo
Deposit HK$854K · loan HK$854K · min. income ≈ HK$9,138/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,676
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,821
−HK$148/mo
Today · 4.125%
HK$4,969
baseline
▲ 0.50% · 4.625%
HK$5,271
+HK$302/mo
Deposit HK$684K · loan HK$1.03M · min. income ≈ HK$9,938/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,202
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,341
−HK$142/mo
Today · 4.125%
HK$5,483
baseline
▲ 0.50% · 4.625%
HK$5,772
+HK$289/mo
Deposit HK$684K · loan HK$1.03M · min. income ≈ HK$10,966/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,455
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,625
−HK$172/mo
Today · 4.125%
HK$5,797
baseline
▲ 0.50% · 4.625%
HK$6,150
+HK$353/mo
Deposit HK$513K · loan HK$1.20M · min. income ≈ HK$11,594/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,069
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,232
−HK$165/mo
Today · 4.125%
HK$6,397
baseline
▲ 0.50% · 4.625%
HK$6,734
+HK$337/mo
Deposit HK$513K · loan HK$1.20M · min. income ≈ HK$12,794/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,014
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,232
−HK$222/mo
Today · 4.125%
HK$7,454
baseline
▲ 0.50% · 4.625%
HK$7,907
+HK$453/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$14,908/mo (50% DSR)
Upfront cash ≈ HK$171K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,803
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,012
−HK$212/mo
Today · 4.125%
HK$8,224
baseline
▲ 0.50% · 4.625%
HK$8,658
+HK$434/mo
Deposit HK$171K · loan HK$1.54M · min. income ≈ HK$16,448/mo (50% DSR)
Upfront cash ≈ HK$171K (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).