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$4,049
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,175
−HK$128/mo
Today · 4.125%
HK$4,303
baseline
▲ 0.50% · 4.625%
HK$4,565
+HK$262/mo
Deposit HK$888K · loan HK$888K · min. income ≈ HK$8,606/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,504
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,625
−HK$123/mo
Today · 4.125%
HK$4,748
baseline
▲ 0.50% · 4.625%
HK$4,998
+HK$250/mo
Deposit HK$888K · loan HK$888K · min. income ≈ HK$9,496/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,859
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,010
−HK$153/mo
Today · 4.125%
HK$5,163
baseline
▲ 0.50% · 4.625%
HK$5,477
+HK$314/mo
Deposit HK$710K · loan HK$1.07M · min. income ≈ HK$10,326/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,405
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,550
−HK$147/mo
Today · 4.125%
HK$5,697
baseline
▲ 0.50% · 4.625%
HK$5,997
+HK$300/mo
Deposit HK$710K · loan HK$1.07M · min. income ≈ HK$11,394/mo (50% DSR)
Upfront cash ≈ HK$710K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,668
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,845
−HK$179/mo
Today · 4.125%
HK$6,024
baseline
▲ 0.50% · 4.625%
HK$6,390
+HK$366/mo
Deposit HK$533K · loan HK$1.24M · min. income ≈ HK$12,048/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,306
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,475
−HK$172/mo
Today · 4.125%
HK$6,647
baseline
▲ 0.50% · 4.625%
HK$6,997
+HK$350/mo
Deposit HK$533K · loan HK$1.24M · min. income ≈ HK$13,294/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,288
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,515
−HK$230/mo
Today · 4.125%
HK$7,745
baseline
▲ 0.50% · 4.625%
HK$8,216
+HK$471/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$15,490/mo (50% DSR)
Upfront cash ≈ HK$178K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,108
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,325
−HK$221/mo
Today · 4.125%
HK$8,546
baseline
▲ 0.50% · 4.625%
HK$8,996
+HK$450/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$17,092/mo (50% DSR)
Upfront cash ≈ HK$178K (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).