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$3,548
−HK$223/mo
▼ 0.25% · 3.875%
HK$3,659
−HK$112/mo
Today · 4.125%
HK$3,771
baseline
▲ 0.50% · 4.625%
HK$4,000
+HK$229/mo
Deposit HK$778K · loan HK$778K · min. income ≈ HK$7,542/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,947
−HK$214/mo
▼ 0.25% · 3.875%
HK$4,053
−HK$108/mo
Today · 4.125%
HK$4,161
baseline
▲ 0.50% · 4.625%
HK$4,380
+HK$219/mo
Deposit HK$778K · loan HK$778K · min. income ≈ HK$8,322/mo (50% DSR)
Upfront cash ≈ HK$778K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,258
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,390
−HK$135/mo
Today · 4.125%
HK$4,525
baseline
▲ 0.50% · 4.625%
HK$4,800
+HK$275/mo
Deposit HK$622K · loan HK$934K · min. income ≈ HK$9,050/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,737
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,864
−HK$129/mo
Today · 4.125%
HK$4,993
baseline
▲ 0.50% · 4.625%
HK$5,256
+HK$263/mo
Deposit HK$622K · loan HK$934K · min. income ≈ HK$9,986/mo (50% DSR)
Upfront cash ≈ HK$623K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,968
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,122
−HK$157/mo
Today · 4.125%
HK$5,279
baseline
▲ 0.50% · 4.625%
HK$5,600
+HK$321/mo
Deposit HK$467K · loan HK$1.09M · min. income ≈ HK$10,558/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,526
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,675
−HK$150/mo
Today · 4.125%
HK$5,825
baseline
▲ 0.50% · 4.625%
HK$6,132
+HK$307/mo
Deposit HK$467K · loan HK$1.09M · min. income ≈ HK$11,650/mo (50% DSR)
Upfront cash ≈ HK$467K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,387
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,586
−HK$201/mo
Today · 4.125%
HK$6,787
baseline
▲ 0.50% · 4.625%
HK$7,200
+HK$413/mo
Deposit HK$156K · loan HK$1.40M · min. income ≈ HK$13,574/mo (50% DSR)
Upfront cash ≈ HK$156K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,105
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,296
−HK$193/mo
Today · 4.125%
HK$7,489
baseline
▲ 0.50% · 4.625%
HK$7,884
+HK$395/mo
Deposit HK$156K · loan HK$1.40M · min. income ≈ HK$14,978/mo (50% DSR)
Upfront cash ≈ HK$156K (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).