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$3,923
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,045
−HK$123/mo
Today · 4.125%
HK$4,168
baseline
▲ 0.50% · 4.625%
HK$4,422
+HK$254/mo
Deposit HK$860K · loan HK$860K · min. income ≈ HK$8,336/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,364
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,481
−HK$119/mo
Today · 4.125%
HK$4,600
baseline
▲ 0.50% · 4.625%
HK$4,842
+HK$242/mo
Deposit HK$860K · loan HK$860K · min. income ≈ HK$9,200/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,707
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,853
−HK$149/mo
Today · 4.125%
HK$5,002
baseline
▲ 0.50% · 4.625%
HK$5,307
+HK$305/mo
Deposit HK$688K · loan HK$1.03M · min. income ≈ HK$10,004/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,237
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,377
−HK$142/mo
Today · 4.125%
HK$5,519
baseline
▲ 0.50% · 4.625%
HK$5,810
+HK$291/mo
Deposit HK$688K · loan HK$1.03M · min. income ≈ HK$11,038/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,492
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,662
−HK$174/mo
Today · 4.125%
HK$5,836
baseline
▲ 0.50% · 4.625%
HK$6,191
+HK$355/mo
Deposit HK$516K · loan HK$1.20M · min. income ≈ HK$11,672/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,109
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,273
−HK$166/mo
Today · 4.125%
HK$6,439
baseline
▲ 0.50% · 4.625%
HK$6,779
+HK$340/mo
Deposit HK$516K · loan HK$1.20M · min. income ≈ HK$12,878/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,061
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,280
−HK$223/mo
Today · 4.125%
HK$7,503
baseline
▲ 0.50% · 4.625%
HK$7,960
+HK$457/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$15,006/mo (50% DSR)
Upfront cash ≈ HK$172K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,855
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,065
−HK$214/mo
Today · 4.125%
HK$8,279
baseline
▲ 0.50% · 4.625%
HK$8,716
+HK$437/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$16,558/mo (50% DSR)
Upfront cash ≈ HK$172K (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).