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$3,919
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,041
−HK$124/mo
Today · 4.125%
HK$4,165
baseline
▲ 0.50% · 4.625%
HK$4,419
+HK$254/mo
Deposit HK$859K · loan HK$859K · min. income ≈ HK$8,330/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,360
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,477
−HK$119/mo
Today · 4.125%
HK$4,596
baseline
▲ 0.50% · 4.625%
HK$4,838
+HK$242/mo
Deposit HK$859K · loan HK$859K · min. income ≈ HK$9,192/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,703
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,850
−HK$148/mo
Today · 4.125%
HK$4,998
baseline
▲ 0.50% · 4.625%
HK$5,302
+HK$304/mo
Deposit HK$688K · loan HK$1.03M · min. income ≈ HK$9,996/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,232
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,373
−HK$142/mo
Today · 4.125%
HK$5,515
baseline
▲ 0.50% · 4.625%
HK$5,806
+HK$291/mo
Deposit HK$688K · loan HK$1.03M · min. income ≈ HK$11,030/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,487
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,658
−HK$173/mo
Today · 4.125%
HK$5,831
baseline
▲ 0.50% · 4.625%
HK$6,186
+HK$355/mo
Deposit HK$516K · loan HK$1.20M · min. income ≈ HK$11,662/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,104
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,268
−HK$166/mo
Today · 4.125%
HK$6,434
baseline
▲ 0.50% · 4.625%
HK$6,773
+HK$339/mo
Deposit HK$516K · loan HK$1.20M · min. income ≈ HK$12,868/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,055
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,274
−HK$223/mo
Today · 4.125%
HK$7,497
baseline
▲ 0.50% · 4.625%
HK$7,953
+HK$456/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$14,994/mo (50% DSR)
Upfront cash ≈ HK$172K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,848
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,059
−HK$213/mo
Today · 4.125%
HK$8,272
baseline
▲ 0.50% · 4.625%
HK$8,708
+HK$436/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$16,544/mo (50% DSR)
Upfront cash ≈ HK$172K (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).