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$3,509
−HK$220/mo
▼ 0.25% · 3.875%
HK$3,618
−HK$111/mo
Today · 4.125%
HK$3,729
baseline
▲ 0.50% · 4.625%
HK$3,956
+HK$227/mo
Deposit HK$769K · loan HK$769K · min. income ≈ HK$7,458/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,904
−HK$211/mo
▼ 0.25% · 3.875%
HK$4,009
−HK$106/mo
Today · 4.125%
HK$4,115
baseline
▲ 0.50% · 4.625%
HK$4,332
+HK$217/mo
Deposit HK$769K · loan HK$769K · min. income ≈ HK$8,230/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,211
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,342
−HK$133/mo
Today · 4.125%
HK$4,475
baseline
▲ 0.50% · 4.625%
HK$4,747
+HK$272/mo
Deposit HK$616K · loan HK$923K · min. income ≈ HK$8,950/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,685
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,810
−HK$128/mo
Today · 4.125%
HK$4,938
baseline
▲ 0.50% · 4.625%
HK$5,198
+HK$260/mo
Deposit HK$616K · loan HK$923K · min. income ≈ HK$9,876/mo (50% DSR)
Upfront cash ≈ HK$616K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,913
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,066
−HK$155/mo
Today · 4.125%
HK$5,221
baseline
▲ 0.50% · 4.625%
HK$5,539
+HK$318/mo
Deposit HK$462K · loan HK$1.08M · min. income ≈ HK$10,442/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,466
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,612
−HK$149/mo
Today · 4.125%
HK$5,761
baseline
▲ 0.50% · 4.625%
HK$6,064
+HK$303/mo
Deposit HK$462K · loan HK$1.08M · min. income ≈ HK$11,522/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,317
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,513
−HK$200/mo
Today · 4.125%
HK$6,713
baseline
▲ 0.50% · 4.625%
HK$7,121
+HK$408/mo
Deposit HK$154K · loan HK$1.39M · min. income ≈ HK$13,426/mo (50% DSR)
Upfront cash ≈ HK$154K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,027
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,216
−HK$191/mo
Today · 4.125%
HK$7,407
baseline
▲ 0.50% · 4.625%
HK$7,797
+HK$390/mo
Deposit HK$154K · loan HK$1.39M · min. income ≈ HK$14,814/mo (50% DSR)
Upfront cash ≈ HK$154K (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).