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$4,075
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,202
−HK$128/mo
Today · 4.125%
HK$4,330
baseline
▲ 0.50% · 4.625%
HK$4,594
+HK$264/mo
Deposit HK$893K · loan HK$893K · min. income ≈ HK$8,660/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,533
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,655
−HK$123/mo
Today · 4.125%
HK$4,778
baseline
▲ 0.50% · 4.625%
HK$5,030
+HK$252/mo
Deposit HK$893K · loan HK$893K · min. income ≈ HK$9,556/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,890
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,042
−HK$154/mo
Today · 4.125%
HK$5,196
baseline
▲ 0.50% · 4.625%
HK$5,513
+HK$317/mo
Deposit HK$715K · loan HK$1.07M · min. income ≈ HK$10,392/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,440
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,586
−HK$148/mo
Today · 4.125%
HK$5,734
baseline
▲ 0.50% · 4.625%
HK$6,036
+HK$302/mo
Deposit HK$715K · loan HK$1.07M · min. income ≈ HK$11,468/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,705
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,882
−HK$180/mo
Today · 4.125%
HK$6,062
baseline
▲ 0.50% · 4.625%
HK$6,431
+HK$369/mo
Deposit HK$536K · loan HK$1.25M · min. income ≈ HK$12,124/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,346
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,517
−HK$172/mo
Today · 4.125%
HK$6,689
baseline
▲ 0.50% · 4.625%
HK$7,042
+HK$353/mo
Deposit HK$536K · loan HK$1.25M · min. income ≈ HK$13,378/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,335
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,563
−HK$232/mo
Today · 4.125%
HK$7,795
baseline
▲ 0.50% · 4.625%
HK$8,269
+HK$474/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$15,590/mo (50% DSR)
Upfront cash ≈ HK$179K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,160
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,379
−HK$222/mo
Today · 4.125%
HK$8,601
baseline
▲ 0.50% · 4.625%
HK$9,054
+HK$453/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$17,202/mo (50% DSR)
Upfront cash ≈ HK$179K (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).