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$3,734
−HK$234/mo
▼ 0.25% · 3.875%
HK$3,850
−HK$118/mo
Today · 4.125%
HK$3,968
baseline
▲ 0.50% · 4.625%
HK$4,210
+HK$242/mo
Deposit HK$819K · loan HK$819K · min. income ≈ HK$7,936/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,154
−HK$225/mo
▼ 0.25% · 3.875%
HK$4,266
−HK$113/mo
Today · 4.125%
HK$4,379
baseline
▲ 0.50% · 4.625%
HK$4,610
+HK$231/mo
Deposit HK$819K · loan HK$819K · min. income ≈ HK$8,758/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,481
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,621
−HK$141/mo
Today · 4.125%
HK$4,762
baseline
▲ 0.50% · 4.625%
HK$5,052
+HK$290/mo
Deposit HK$655K · loan HK$983K · min. income ≈ HK$9,524/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,985
−HK$270/mo
▼ 0.25% · 3.875%
HK$5,119
−HK$136/mo
Today · 4.125%
HK$5,255
baseline
▲ 0.50% · 4.625%
HK$5,532
+HK$277/mo
Deposit HK$655K · loan HK$983K · min. income ≈ HK$10,510/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,228
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,391
−HK$165/mo
Today · 4.125%
HK$5,556
baseline
▲ 0.50% · 4.625%
HK$5,894
+HK$338/mo
Deposit HK$491K · loan HK$1.15M · min. income ≈ HK$11,112/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,816
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,972
−HK$158/mo
Today · 4.125%
HK$6,130
baseline
▲ 0.50% · 4.625%
HK$6,453
+HK$323/mo
Deposit HK$491K · loan HK$1.15M · min. income ≈ HK$12,260/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,722
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,931
−HK$212/mo
Today · 4.125%
HK$7,143
baseline
▲ 0.50% · 4.625%
HK$7,578
+HK$435/mo
Deposit HK$164K · loan HK$1.47M · min. income ≈ HK$14,286/mo (50% DSR)
Upfront cash ≈ HK$164K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,478
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,678
−HK$204/mo
Today · 4.125%
HK$7,882
baseline
▲ 0.50% · 4.625%
HK$8,297
+HK$415/mo
Deposit HK$164K · loan HK$1.47M · min. income ≈ HK$15,764/mo (50% DSR)
Upfront cash ≈ HK$164K (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).