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$4,011
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,136
−HK$127/mo
Today · 4.125%
HK$4,263
baseline
▲ 0.50% · 4.625%
HK$4,522
+HK$259/mo
Deposit HK$880K · loan HK$880K · min. income ≈ HK$8,526/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,463
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,582
−HK$122/mo
Today · 4.125%
HK$4,704
baseline
▲ 0.50% · 4.625%
HK$4,952
+HK$248/mo
Deposit HK$880K · loan HK$880K · min. income ≈ HK$9,408/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,814
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,963
−HK$152/mo
Today · 4.125%
HK$5,115
baseline
▲ 0.50% · 4.625%
HK$5,427
+HK$312/mo
Deposit HK$704K · loan HK$1.06M · min. income ≈ HK$10,230/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,355
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,499
−HK$145/mo
Today · 4.125%
HK$5,644
baseline
▲ 0.50% · 4.625%
HK$5,942
+HK$298/mo
Deposit HK$704K · loan HK$1.06M · min. income ≈ HK$11,288/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,616
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,790
−HK$178/mo
Today · 4.125%
HK$5,968
baseline
▲ 0.50% · 4.625%
HK$6,331
+HK$363/mo
Deposit HK$528K · loan HK$1.23M · min. income ≈ HK$11,936/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,248
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,415
−HK$170/mo
Today · 4.125%
HK$6,585
baseline
▲ 0.50% · 4.625%
HK$6,932
+HK$347/mo
Deposit HK$528K · loan HK$1.23M · min. income ≈ HK$13,170/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,220
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,445
−HK$228/mo
Today · 4.125%
HK$7,673
baseline
▲ 0.50% · 4.625%
HK$8,140
+HK$467/mo
Deposit HK$176K · loan HK$1.58M · min. income ≈ HK$15,346/mo (50% DSR)
Upfront cash ≈ HK$176K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,033
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,248
−HK$218/mo
Today · 4.125%
HK$8,466
baseline
▲ 0.50% · 4.625%
HK$8,913
+HK$447/mo
Deposit HK$176K · loan HK$1.58M · min. income ≈ HK$16,932/mo (50% DSR)
Upfront cash ≈ HK$176K (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).