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$4,060
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,187
−HK$128/mo
Today · 4.125%
HK$4,315
baseline
▲ 0.50% · 4.625%
HK$4,577
+HK$262/mo
Deposit HK$890K · loan HK$890K · min. income ≈ HK$8,630/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,517
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,638
−HK$123/mo
Today · 4.125%
HK$4,761
baseline
▲ 0.50% · 4.625%
HK$5,012
+HK$251/mo
Deposit HK$890K · loan HK$890K · min. income ≈ HK$9,522/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,872
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,024
−HK$154/mo
Today · 4.125%
HK$5,178
baseline
▲ 0.50% · 4.625%
HK$5,493
+HK$315/mo
Deposit HK$712K · loan HK$1.07M · min. income ≈ HK$10,356/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,420
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,566
−HK$147/mo
Today · 4.125%
HK$5,713
baseline
▲ 0.50% · 4.625%
HK$6,014
+HK$301/mo
Deposit HK$712K · loan HK$1.07M · min. income ≈ HK$11,426/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,684
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,861
−HK$180/mo
Today · 4.125%
HK$6,041
baseline
▲ 0.50% · 4.625%
HK$6,408
+HK$367/mo
Deposit HK$534K · loan HK$1.25M · min. income ≈ HK$12,082/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,324
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,493
−HK$172/mo
Today · 4.125%
HK$6,665
baseline
▲ 0.50% · 4.625%
HK$7,017
+HK$352/mo
Deposit HK$534K · loan HK$1.25M · min. income ≈ HK$13,330/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,308
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,536
−HK$231/mo
Today · 4.125%
HK$7,767
baseline
▲ 0.50% · 4.625%
HK$8,239
+HK$472/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$15,534/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$8,131
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,349
−HK$221/mo
Today · 4.125%
HK$8,570
baseline
▲ 0.50% · 4.625%
HK$9,022
+HK$452/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$17,140/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).