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$3,477
−HK$218/mo
▼ 0.25% · 3.875%
HK$3,586
−HK$109/mo
Today · 4.125%
HK$3,695
baseline
▲ 0.50% · 4.625%
HK$3,920
+HK$225/mo
Deposit HK$762K · loan HK$762K · min. income ≈ HK$7,390/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,869
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,972
−HK$106/mo
Today · 4.125%
HK$4,078
baseline
▲ 0.50% · 4.625%
HK$4,292
+HK$214/mo
Deposit HK$762K · loan HK$762K · min. income ≈ HK$8,156/mo (50% DSR)
Upfront cash ≈ HK$763K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,173
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,303
−HK$132/mo
Today · 4.125%
HK$4,435
baseline
▲ 0.50% · 4.625%
HK$4,704
+HK$269/mo
Deposit HK$610K · loan HK$915K · min. income ≈ HK$8,870/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,642
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,767
−HK$126/mo
Today · 4.125%
HK$4,893
baseline
▲ 0.50% · 4.625%
HK$5,151
+HK$258/mo
Deposit HK$610K · loan HK$915K · min. income ≈ HK$9,786/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,868
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,020
−HK$154/mo
Today · 4.125%
HK$5,174
baseline
▲ 0.50% · 4.625%
HK$5,488
+HK$314/mo
Deposit HK$457K · loan HK$1.07M · min. income ≈ HK$10,348/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,416
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,561
−HK$148/mo
Today · 4.125%
HK$5,709
baseline
▲ 0.50% · 4.625%
HK$6,009
+HK$300/mo
Deposit HK$457K · loan HK$1.07M · min. income ≈ HK$11,418/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,259
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,454
−HK$198/mo
Today · 4.125%
HK$6,652
baseline
▲ 0.50% · 4.625%
HK$7,057
+HK$405/mo
Deposit HK$152K · loan HK$1.37M · min. income ≈ HK$13,304/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$6,963
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,150
−HK$190/mo
Today · 4.125%
HK$7,340
baseline
▲ 0.50% · 4.625%
HK$7,726
+HK$386/mo
Deposit HK$152K · loan HK$1.37M · min. income ≈ HK$14,680/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).