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$3,229
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,330
−HK$102/mo
Today · 4.125%
HK$3,432
baseline
▲ 0.50% · 4.625%
HK$3,640
+HK$208/mo
Deposit HK$708K · loan HK$708K · min. income ≈ HK$6,864/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,592
−HK$194/mo
▼ 0.25% · 3.875%
HK$3,689
−HK$97/mo
Today · 4.125%
HK$3,786
baseline
▲ 0.50% · 4.625%
HK$3,986
+HK$200/mo
Deposit HK$708K · loan HK$708K · min. income ≈ HK$7,572/mo (50% DSR)
Upfront cash ≈ HK$708K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,875
−HK$243/mo
▼ 0.25% · 3.875%
HK$3,995
−HK$123/mo
Today · 4.125%
HK$4,118
baseline
▲ 0.50% · 4.625%
HK$4,369
+HK$251/mo
Deposit HK$566K · loan HK$850K · min. income ≈ HK$8,236/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,311
−HK$233/mo
▼ 0.25% · 3.875%
HK$4,426
−HK$118/mo
Today · 4.125%
HK$4,544
baseline
▲ 0.50% · 4.625%
HK$4,783
+HK$239/mo
Deposit HK$566K · loan HK$850K · min. income ≈ HK$9,088/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,521
−HK$283/mo
▼ 0.25% · 3.875%
HK$4,661
−HK$143/mo
Today · 4.125%
HK$4,804
baseline
▲ 0.50% · 4.625%
HK$5,097
+HK$293/mo
Deposit HK$425K · loan HK$991K · min. income ≈ HK$9,608/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,029
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,164
−HK$137/mo
Today · 4.125%
HK$5,301
baseline
▲ 0.50% · 4.625%
HK$5,580
+HK$279/mo
Deposit HK$425K · loan HK$991K · min. income ≈ HK$10,602/mo (50% DSR)
Upfront cash ≈ HK$425K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,812
−HK$365/mo
▼ 0.25% · 3.875%
HK$5,993
−HK$184/mo
Today · 4.125%
HK$6,177
baseline
▲ 0.50% · 4.625%
HK$6,553
+HK$376/mo
Deposit HK$142K · loan HK$1.27M · min. income ≈ HK$12,354/mo (50% DSR)
Upfront cash ≈ HK$142K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,466
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,640
−HK$176/mo
Today · 4.125%
HK$6,816
baseline
▲ 0.50% · 4.625%
HK$7,175
+HK$359/mo
Deposit HK$142K · loan HK$1.27M · min. income ≈ HK$13,632/mo (50% DSR)
Upfront cash ≈ HK$142K (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).