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$3,997
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,122
−HK$126/mo
Today · 4.125%
HK$4,248
baseline
▲ 0.50% · 4.625%
HK$4,506
+HK$258/mo
Deposit HK$877K · loan HK$877K · min. income ≈ HK$8,496/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,447
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,566
−HK$121/mo
Today · 4.125%
HK$4,687
baseline
▲ 0.50% · 4.625%
HK$4,934
+HK$247/mo
Deposit HK$877K · loan HK$877K · min. income ≈ HK$9,374/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,797
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,946
−HK$152/mo
Today · 4.125%
HK$5,098
baseline
▲ 0.50% · 4.625%
HK$5,408
+HK$310/mo
Deposit HK$701K · loan HK$1.05M · min. income ≈ HK$10,196/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,336
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,479
−HK$146/mo
Today · 4.125%
HK$5,625
baseline
▲ 0.50% · 4.625%
HK$5,921
+HK$296/mo
Deposit HK$701K · loan HK$1.05M · min. income ≈ HK$11,250/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,596
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,770
−HK$177/mo
Today · 4.125%
HK$5,947
baseline
▲ 0.50% · 4.625%
HK$6,309
+HK$362/mo
Deposit HK$526K · loan HK$1.23M · min. income ≈ HK$11,894/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,226
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,393
−HK$169/mo
Today · 4.125%
HK$6,562
baseline
▲ 0.50% · 4.625%
HK$6,908
+HK$346/mo
Deposit HK$526K · loan HK$1.23M · min. income ≈ HK$13,124/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,195
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,419
−HK$227/mo
Today · 4.125%
HK$7,646
baseline
▲ 0.50% · 4.625%
HK$8,112
+HK$466/mo
Deposit HK$175K · loan HK$1.58M · min. income ≈ HK$15,292/mo (50% DSR)
Upfront cash ≈ HK$175K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,005
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,219
−HK$218/mo
Today · 4.125%
HK$8,437
baseline
▲ 0.50% · 4.625%
HK$8,882
+HK$445/mo
Deposit HK$175K · loan HK$1.58M · min. income ≈ HK$16,874/mo (50% DSR)
Upfront cash ≈ HK$175K (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).