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$3,663
−HK$230/mo
▼ 0.25% · 3.875%
HK$3,777
−HK$116/mo
Today · 4.125%
HK$3,893
baseline
▲ 0.50% · 4.625%
HK$4,130
+HK$237/mo
Deposit HK$803K · loan HK$803K · min. income ≈ HK$7,786/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,075
−HK$220/mo
▼ 0.25% · 3.875%
HK$4,185
−HK$110/mo
Today · 4.125%
HK$4,295
baseline
▲ 0.50% · 4.625%
HK$4,522
+HK$227/mo
Deposit HK$803K · loan HK$803K · min. income ≈ HK$8,590/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,396
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,533
−HK$138/mo
Today · 4.125%
HK$4,671
baseline
▲ 0.50% · 4.625%
HK$4,956
+HK$285/mo
Deposit HK$643K · loan HK$964K · min. income ≈ HK$9,342/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,890
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,021
−HK$134/mo
Today · 4.125%
HK$5,155
baseline
▲ 0.50% · 4.625%
HK$5,426
+HK$271/mo
Deposit HK$643K · loan HK$964K · min. income ≈ HK$10,310/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,128
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,288
−HK$162/mo
Today · 4.125%
HK$5,450
baseline
▲ 0.50% · 4.625%
HK$5,782
+HK$332/mo
Deposit HK$482K · loan HK$1.12M · min. income ≈ HK$10,900/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,705
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,858
−HK$156/mo
Today · 4.125%
HK$6,014
baseline
▲ 0.50% · 4.625%
HK$6,331
+HK$317/mo
Deposit HK$482K · loan HK$1.12M · min. income ≈ HK$12,028/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,594
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,799
−HK$208/mo
Today · 4.125%
HK$7,007
baseline
▲ 0.50% · 4.625%
HK$7,434
+HK$427/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$14,014/mo (50% DSR)
Upfront cash ≈ HK$161K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,335
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,532
−HK$200/mo
Today · 4.125%
HK$7,732
baseline
▲ 0.50% · 4.625%
HK$8,139
+HK$407/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$15,464/mo (50% DSR)
Upfront cash ≈ HK$161K (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).