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$4,002
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,127
−HK$126/mo
Today · 4.125%
HK$4,253
baseline
▲ 0.50% · 4.625%
HK$4,512
+HK$259/mo
Deposit HK$878K · loan HK$878K · min. income ≈ HK$8,506/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,452
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,572
−HK$121/mo
Today · 4.125%
HK$4,693
baseline
▲ 0.50% · 4.625%
HK$4,940
+HK$247/mo
Deposit HK$878K · loan HK$878K · min. income ≈ HK$9,386/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,803
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,952
−HK$152/mo
Today · 4.125%
HK$5,104
baseline
▲ 0.50% · 4.625%
HK$5,414
+HK$310/mo
Deposit HK$702K · loan HK$1.05M · min. income ≈ HK$10,208/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,343
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,486
−HK$145/mo
Today · 4.125%
HK$5,631
baseline
▲ 0.50% · 4.625%
HK$5,928
+HK$297/mo
Deposit HK$702K · loan HK$1.05M · min. income ≈ HK$11,262/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,603
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,777
−HK$177/mo
Today · 4.125%
HK$5,954
baseline
▲ 0.50% · 4.625%
HK$6,317
+HK$363/mo
Deposit HK$527K · loan HK$1.23M · min. income ≈ HK$11,908/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,233
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,400
−HK$170/mo
Today · 4.125%
HK$6,570
baseline
▲ 0.50% · 4.625%
HK$6,916
+HK$346/mo
Deposit HK$527K · loan HK$1.23M · min. income ≈ HK$13,140/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,204
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,428
−HK$228/mo
Today · 4.125%
HK$7,656
baseline
▲ 0.50% · 4.625%
HK$8,121
+HK$465/mo
Deposit HK$176K · loan HK$1.58M · min. income ≈ HK$15,312/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$8,014
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,229
−HK$218/mo
Today · 4.125%
HK$8,447
baseline
▲ 0.50% · 4.625%
HK$8,892
+HK$445/mo
Deposit HK$176K · loan HK$1.58M · min. income ≈ HK$16,894/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).