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$3,499
−HK$219/mo
▼ 0.25% · 3.875%
HK$3,608
−HK$110/mo
Today · 4.125%
HK$3,718
baseline
▲ 0.50% · 4.625%
HK$3,945
+HK$227/mo
Deposit HK$767K · loan HK$767K · min. income ≈ HK$7,436/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,893
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,997
−HK$106/mo
Today · 4.125%
HK$4,103
baseline
▲ 0.50% · 4.625%
HK$4,319
+HK$216/mo
Deposit HK$767K · loan HK$767K · min. income ≈ HK$8,206/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,199
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,329
−HK$133/mo
Today · 4.125%
HK$4,462
baseline
▲ 0.50% · 4.625%
HK$4,734
+HK$272/mo
Deposit HK$614K · loan HK$921K · min. income ≈ HK$8,924/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,671
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,796
−HK$128/mo
Today · 4.125%
HK$4,924
baseline
▲ 0.50% · 4.625%
HK$5,183
+HK$259/mo
Deposit HK$614K · loan HK$921K · min. income ≈ HK$9,848/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,899
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,051
−HK$155/mo
Today · 4.125%
HK$5,206
baseline
▲ 0.50% · 4.625%
HK$5,523
+HK$317/mo
Deposit HK$460K · loan HK$1.07M · min. income ≈ HK$10,412/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,450
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,596
−HK$148/mo
Today · 4.125%
HK$5,744
baseline
▲ 0.50% · 4.625%
HK$6,047
+HK$303/mo
Deposit HK$460K · loan HK$1.07M · min. income ≈ HK$11,488/mo (50% DSR)
Upfront cash ≈ HK$460K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,298
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,494
−HK$199/mo
Today · 4.125%
HK$6,693
baseline
▲ 0.50% · 4.625%
HK$7,101
+HK$408/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$13,386/mo (50% DSR)
Upfront cash ≈ HK$154K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,007
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,195
−HK$190/mo
Today · 4.125%
HK$7,385
baseline
▲ 0.50% · 4.625%
HK$7,775
+HK$390/mo
Deposit HK$153K · loan HK$1.38M · min. income ≈ HK$14,770/mo (50% DSR)
Upfront cash ≈ HK$154K (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).