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$3,638
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,751
−HK$115/mo
Today · 4.125%
HK$3,866
baseline
▲ 0.50% · 4.625%
HK$4,101
+HK$235/mo
Deposit HK$798K · loan HK$798K · min. income ≈ HK$7,732/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,047
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,155
−HK$110/mo
Today · 4.125%
HK$4,265
baseline
▲ 0.50% · 4.625%
HK$4,490
+HK$225/mo
Deposit HK$798K · loan HK$798K · min. income ≈ HK$8,530/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,365
−HK$274/mo
▼ 0.25% · 3.875%
HK$4,501
−HK$138/mo
Today · 4.125%
HK$4,639
baseline
▲ 0.50% · 4.625%
HK$4,921
+HK$282/mo
Deposit HK$638K · loan HK$957K · min. income ≈ HK$9,278/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,856
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,986
−HK$132/mo
Today · 4.125%
HK$5,118
baseline
▲ 0.50% · 4.625%
HK$5,388
+HK$270/mo
Deposit HK$638K · loan HK$957K · min. income ≈ HK$10,236/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,093
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,251
−HK$161/mo
Today · 4.125%
HK$5,412
baseline
▲ 0.50% · 4.625%
HK$5,741
+HK$329/mo
Deposit HK$479K · loan HK$1.12M · min. income ≈ HK$10,824/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,665
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,817
−HK$155/mo
Today · 4.125%
HK$5,972
baseline
▲ 0.50% · 4.625%
HK$6,286
+HK$314/mo
Deposit HK$479K · loan HK$1.12M · min. income ≈ HK$11,944/mo (50% DSR)
Upfront cash ≈ HK$479K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,548
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,751
−HK$207/mo
Today · 4.125%
HK$6,958
baseline
▲ 0.50% · 4.625%
HK$7,382
+HK$424/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$13,916/mo (50% DSR)
Upfront cash ≈ HK$160K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,284
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,479
−HK$199/mo
Today · 4.125%
HK$7,678
baseline
▲ 0.50% · 4.625%
HK$8,082
+HK$404/mo
Deposit HK$160K · loan HK$1.44M · min. income ≈ HK$15,356/mo (50% DSR)
Upfront cash ≈ HK$160K (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).