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$3,488
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,596
−HK$110/mo
Today · 4.125%
HK$3,706
baseline
▲ 0.50% · 4.625%
HK$3,932
+HK$226/mo
Deposit HK$765K · loan HK$765K · min. income ≈ HK$7,412/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,880
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,984
−HK$106/mo
Today · 4.125%
HK$4,090
baseline
▲ 0.50% · 4.625%
HK$4,305
+HK$215/mo
Deposit HK$765K · loan HK$765K · min. income ≈ HK$8,180/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,185
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,315
−HK$133/mo
Today · 4.125%
HK$4,448
baseline
▲ 0.50% · 4.625%
HK$4,718
+HK$270/mo
Deposit HK$612K · loan HK$918K · min. income ≈ HK$8,896/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,656
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,781
−HK$127/mo
Today · 4.125%
HK$4,908
baseline
▲ 0.50% · 4.625%
HK$5,166
+HK$258/mo
Deposit HK$612K · loan HK$918K · min. income ≈ HK$9,816/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,883
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,035
−HK$154/mo
Today · 4.125%
HK$5,189
baseline
▲ 0.50% · 4.625%
HK$5,505
+HK$316/mo
Deposit HK$459K · loan HK$1.07M · min. income ≈ HK$10,378/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,432
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,578
−HK$148/mo
Today · 4.125%
HK$5,726
baseline
▲ 0.50% · 4.625%
HK$6,027
+HK$301/mo
Deposit HK$459K · loan HK$1.07M · min. income ≈ HK$11,452/mo (50% DSR)
Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,278
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,473
−HK$199/mo
Today · 4.125%
HK$6,672
baseline
▲ 0.50% · 4.625%
HK$7,078
+HK$406/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$13,344/mo (50% DSR)
Upfront cash ≈ HK$153K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,984
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,171
−HK$190/mo
Today · 4.125%
HK$7,361
baseline
▲ 0.50% · 4.625%
HK$7,749
+HK$388/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$14,722/mo (50% DSR)
Upfront cash ≈ HK$153K (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).