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$3,806
−HK$239/mo
▼ 0.25% · 3.875%
HK$3,924
−HK$121/mo
Today · 4.125%
HK$4,045
baseline
▲ 0.50% · 4.625%
HK$4,291
+HK$246/mo
Deposit HK$835K · loan HK$835K · min. income ≈ HK$8,090/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,234
−HK$229/mo
▼ 0.25% · 3.875%
HK$4,348
−HK$115/mo
Today · 4.125%
HK$4,463
baseline
▲ 0.50% · 4.625%
HK$4,698
+HK$235/mo
Deposit HK$835K · loan HK$835K · min. income ≈ HK$8,926/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,567
−HK$287/mo
▼ 0.25% · 3.875%
HK$4,709
−HK$145/mo
Today · 4.125%
HK$4,854
baseline
▲ 0.50% · 4.625%
HK$5,149
+HK$295/mo
Deposit HK$668K · loan HK$1.00M · min. income ≈ HK$9,708/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,081
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,217
−HK$138/mo
Today · 4.125%
HK$5,355
baseline
▲ 0.50% · 4.625%
HK$5,638
+HK$283/mo
Deposit HK$668K · loan HK$1.00M · min. income ≈ HK$10,710/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,328
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,494
−HK$169/mo
Today · 4.125%
HK$5,663
baseline
▲ 0.50% · 4.625%
HK$6,007
+HK$344/mo
Deposit HK$501K · loan HK$1.17M · min. income ≈ HK$11,326/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,928
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,087
−HK$161/mo
Today · 4.125%
HK$6,248
baseline
▲ 0.50% · 4.625%
HK$6,577
+HK$329/mo
Deposit HK$501K · loan HK$1.17M · min. income ≈ HK$12,496/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,851
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,064
−HK$216/mo
Today · 4.125%
HK$7,280
baseline
▲ 0.50% · 4.625%
HK$7,723
+HK$443/mo
Deposit HK$167K · loan HK$1.50M · min. income ≈ HK$14,560/mo (50% DSR)
Upfront cash ≈ HK$167K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,621
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,826
−HK$207/mo
Today · 4.125%
HK$8,033
baseline
▲ 0.50% · 4.625%
HK$8,457
+HK$424/mo
Deposit HK$167K · loan HK$1.50M · min. income ≈ HK$16,066/mo (50% DSR)
Upfront cash ≈ HK$167K (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).