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$3,938
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,060
−HK$125/mo
Today · 4.125%
HK$4,185
baseline
▲ 0.50% · 4.625%
HK$4,439
+HK$254/mo
Deposit HK$863K · loan HK$863K · min. income ≈ HK$8,370/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,381
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,498
−HK$119/mo
Today · 4.125%
HK$4,617
baseline
▲ 0.50% · 4.625%
HK$4,861
+HK$244/mo
Deposit HK$863K · loan HK$863K · min. income ≈ HK$9,234/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,725
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,872
−HK$149/mo
Today · 4.125%
HK$5,021
baseline
▲ 0.50% · 4.625%
HK$5,327
+HK$306/mo
Deposit HK$691K · loan HK$1.04M · min. income ≈ HK$10,042/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,257
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,398
−HK$143/mo
Today · 4.125%
HK$5,541
baseline
▲ 0.50% · 4.625%
HK$5,833
+HK$292/mo
Deposit HK$691K · loan HK$1.04M · min. income ≈ HK$11,082/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,513
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,684
−HK$174/mo
Today · 4.125%
HK$5,858
baseline
▲ 0.50% · 4.625%
HK$6,215
+HK$357/mo
Deposit HK$518K · loan HK$1.21M · min. income ≈ HK$11,716/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,133
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,297
−HK$167/mo
Today · 4.125%
HK$6,464
baseline
▲ 0.50% · 4.625%
HK$6,805
+HK$341/mo
Deposit HK$518K · loan HK$1.21M · min. income ≈ HK$12,928/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,088
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,308
−HK$224/mo
Today · 4.125%
HK$7,532
baseline
▲ 0.50% · 4.625%
HK$7,990
+HK$458/mo
Deposit HK$173K · loan HK$1.55M · min. income ≈ HK$15,064/mo (50% DSR)
Upfront cash ≈ HK$173K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,885
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,096
−HK$215/mo
Today · 4.125%
HK$8,311
baseline
▲ 0.50% · 4.625%
HK$8,749
+HK$438/mo
Deposit HK$173K · loan HK$1.55M · min. income ≈ HK$16,622/mo (50% DSR)
Upfront cash ≈ HK$173K (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).