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$3,493
−HK$219/mo
▼ 0.25% · 3.875%
HK$3,602
−HK$110/mo
Today · 4.125%
HK$3,712
baseline
▲ 0.50% · 4.625%
HK$3,938
+HK$226/mo
Deposit HK$766K · loan HK$766K · min. income ≈ HK$7,424/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,886
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,991
−HK$105/mo
Today · 4.125%
HK$4,096
baseline
▲ 0.50% · 4.625%
HK$4,312
+HK$216/mo
Deposit HK$766K · loan HK$766K · min. income ≈ HK$8,192/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,192
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,322
−HK$133/mo
Today · 4.125%
HK$4,455
baseline
▲ 0.50% · 4.625%
HK$4,726
+HK$271/mo
Deposit HK$613K · loan HK$919K · min. income ≈ HK$8,910/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,664
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,789
−HK$127/mo
Today · 4.125%
HK$4,916
baseline
▲ 0.50% · 4.625%
HK$5,175
+HK$259/mo
Deposit HK$613K · loan HK$919K · min. income ≈ HK$9,832/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,891
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,043
−HK$154/mo
Today · 4.125%
HK$5,197
baseline
▲ 0.50% · 4.625%
HK$5,514
+HK$317/mo
Deposit HK$460K · loan HK$1.07M · min. income ≈ HK$10,394/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,441
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,587
−HK$148/mo
Today · 4.125%
HK$5,735
baseline
▲ 0.50% · 4.625%
HK$6,037
+HK$302/mo
Deposit HK$460K · loan HK$1.07M · min. income ≈ HK$11,470/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,288
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,484
−HK$198/mo
Today · 4.125%
HK$6,682
baseline
▲ 0.50% · 4.625%
HK$7,089
+HK$407/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$13,364/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$6,995
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,183
−HK$190/mo
Today · 4.125%
HK$7,373
baseline
▲ 0.50% · 4.625%
HK$7,762
+HK$389/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$14,746/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).