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$3,915
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,036
−HK$124/mo
Today · 4.125%
HK$4,160
baseline
▲ 0.50% · 4.625%
HK$4,413
+HK$253/mo
Deposit HK$858K · loan HK$858K · min. income ≈ HK$8,320/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,355
−HK$235/mo
▼ 0.25% · 3.875%
HK$4,472
−HK$118/mo
Today · 4.125%
HK$4,590
baseline
▲ 0.50% · 4.625%
HK$4,832
+HK$242/mo
Deposit HK$858K · loan HK$858K · min. income ≈ HK$9,180/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,698
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,844
−HK$148/mo
Today · 4.125%
HK$4,992
baseline
▲ 0.50% · 4.625%
HK$5,296
+HK$304/mo
Deposit HK$687K · loan HK$1.03M · min. income ≈ HK$9,984/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,226
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,366
−HK$142/mo
Today · 4.125%
HK$5,508
baseline
▲ 0.50% · 4.625%
HK$5,799
+HK$291/mo
Deposit HK$687K · loan HK$1.03M · min. income ≈ HK$11,016/mo (50% DSR)
Upfront cash ≈ HK$687K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,480
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,651
−HK$173/mo
Today · 4.125%
HK$5,824
baseline
▲ 0.50% · 4.625%
HK$6,178
+HK$354/mo
Deposit HK$515K · loan HK$1.20M · min. income ≈ HK$11,648/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,097
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,260
−HK$166/mo
Today · 4.125%
HK$6,426
baseline
▲ 0.50% · 4.625%
HK$6,765
+HK$339/mo
Deposit HK$515K · loan HK$1.20M · min. income ≈ HK$12,852/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,046
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,265
−HK$223/mo
Today · 4.125%
HK$7,488
baseline
▲ 0.50% · 4.625%
HK$7,944
+HK$456/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$14,976/mo (50% DSR)
Upfront cash ≈ HK$172K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,839
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,049
−HK$213/mo
Today · 4.125%
HK$8,262
baseline
▲ 0.50% · 4.625%
HK$8,698
+HK$436/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$16,524/mo (50% DSR)
Upfront cash ≈ HK$172K (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).