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$3,623
−HK$227/mo
▼ 0.25% · 3.875%
HK$3,736
−HK$114/mo
Today · 4.125%
HK$3,850
baseline
▲ 0.50% · 4.625%
HK$4,085
+HK$235/mo
Deposit HK$794K · loan HK$794K · min. income ≈ HK$7,700/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,031
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,139
−HK$109/mo
Today · 4.125%
HK$4,248
baseline
▲ 0.50% · 4.625%
HK$4,472
+HK$224/mo
Deposit HK$794K · loan HK$794K · min. income ≈ HK$8,496/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,348
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,483
−HK$137/mo
Today · 4.125%
HK$4,620
baseline
▲ 0.50% · 4.625%
HK$4,902
+HK$282/mo
Deposit HK$636K · loan HK$953K · min. income ≈ HK$9,240/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,837
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,967
−HK$131/mo
Today · 4.125%
HK$5,098
baseline
▲ 0.50% · 4.625%
HK$5,367
+HK$269/mo
Deposit HK$636K · loan HK$953K · min. income ≈ HK$10,196/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,072
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,230
−HK$160/mo
Today · 4.125%
HK$5,390
baseline
▲ 0.50% · 4.625%
HK$5,718
+HK$328/mo
Deposit HK$477K · loan HK$1.11M · min. income ≈ HK$10,780/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,643
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,794
−HK$154/mo
Today · 4.125%
HK$5,948
baseline
▲ 0.50% · 4.625%
HK$6,261
+HK$313/mo
Deposit HK$477K · loan HK$1.11M · min. income ≈ HK$11,896/mo (50% DSR)
Upfront cash ≈ HK$477K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,522
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,725
−HK$206/mo
Today · 4.125%
HK$6,931
baseline
▲ 0.50% · 4.625%
HK$7,352
+HK$421/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$13,862/mo (50% DSR)
Upfront cash ≈ HK$159K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,255
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,450
−HK$197/mo
Today · 4.125%
HK$7,647
baseline
▲ 0.50% · 4.625%
HK$8,050
+HK$403/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$15,294/mo (50% DSR)
Upfront cash ≈ HK$159K (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).