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$4,039
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,165
−HK$128/mo
Today · 4.125%
HK$4,293
baseline
▲ 0.50% · 4.625%
HK$4,554
+HK$261/mo
Deposit HK$886K · loan HK$886K · min. income ≈ HK$8,586/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,494
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,614
−HK$122/mo
Today · 4.125%
HK$4,736
baseline
▲ 0.50% · 4.625%
HK$4,986
+HK$250/mo
Deposit HK$886K · loan HK$886K · min. income ≈ HK$9,472/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,847
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,998
−HK$153/mo
Today · 4.125%
HK$5,151
baseline
▲ 0.50% · 4.625%
HK$5,464
+HK$313/mo
Deposit HK$709K · loan HK$1.06M · min. income ≈ HK$10,302/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,392
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,537
−HK$147/mo
Today · 4.125%
HK$5,684
baseline
▲ 0.50% · 4.625%
HK$5,983
+HK$299/mo
Deposit HK$709K · loan HK$1.06M · min. income ≈ HK$11,368/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,655
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,831
−HK$179/mo
Today · 4.125%
HK$6,010
baseline
▲ 0.50% · 4.625%
HK$6,375
+HK$365/mo
Deposit HK$531K · loan HK$1.24M · min. income ≈ HK$12,020/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,291
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,460
−HK$171/mo
Today · 4.125%
HK$6,631
baseline
▲ 0.50% · 4.625%
HK$6,980
+HK$349/mo
Deposit HK$531K · loan HK$1.24M · min. income ≈ HK$13,262/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,271
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,497
−HK$230/mo
Today · 4.125%
HK$7,727
baseline
▲ 0.50% · 4.625%
HK$8,197
+HK$470/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$15,454/mo (50% DSR)
Upfront cash ≈ HK$177K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,089
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,305
−HK$221/mo
Today · 4.125%
HK$8,526
baseline
▲ 0.50% · 4.625%
HK$8,975
+HK$449/mo
Deposit HK$177K · loan HK$1.59M · min. income ≈ HK$17,052/mo (50% DSR)
Upfront cash ≈ HK$177K (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).