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$3,309
−HK$208/mo
▼ 0.25% · 3.875%
HK$3,412
−HK$105/mo
Today · 4.125%
HK$3,517
baseline
▲ 0.50% · 4.625%
HK$3,731
+HK$214/mo
Deposit HK$726K · loan HK$726K · min. income ≈ HK$7,034/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,681
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,780
−HK$100/mo
Today · 4.125%
HK$3,880
baseline
▲ 0.50% · 4.625%
HK$4,085
+HK$205/mo
Deposit HK$726K · loan HK$726K · min. income ≈ HK$7,760/mo (50% DSR)
Upfront cash ≈ HK$726K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,971
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,094
−HK$126/mo
Today · 4.125%
HK$4,220
baseline
▲ 0.50% · 4.625%
HK$4,477
+HK$257/mo
Deposit HK$580K · loan HK$871K · min. income ≈ HK$8,440/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,418
−HK$238/mo
▼ 0.25% · 3.875%
HK$4,536
−HK$120/mo
Today · 4.125%
HK$4,656
baseline
▲ 0.50% · 4.625%
HK$4,902
+HK$246/mo
Deposit HK$580K · loan HK$871K · min. income ≈ HK$9,312/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,633
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,777
−HK$146/mo
Today · 4.125%
HK$4,923
baseline
▲ 0.50% · 4.625%
HK$5,223
+HK$300/mo
Deposit HK$435K · loan HK$1.02M · min. income ≈ HK$9,846/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,154
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,292
−HK$140/mo
Today · 4.125%
HK$5,432
baseline
▲ 0.50% · 4.625%
HK$5,719
+HK$287/mo
Deposit HK$435K · loan HK$1.02M · min. income ≈ HK$10,864/mo (50% DSR)
Upfront cash ≈ HK$435K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,956
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,142
−HK$188/mo
Today · 4.125%
HK$6,330
baseline
▲ 0.50% · 4.625%
HK$6,715
+HK$385/mo
Deposit HK$145K · loan HK$1.31M · min. income ≈ HK$12,660/mo (50% DSR)
Upfront cash ≈ HK$145K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,626
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,804
−HK$180/mo
Today · 4.125%
HK$6,984
baseline
▲ 0.50% · 4.625%
HK$7,353
+HK$369/mo
Deposit HK$145K · loan HK$1.31M · min. income ≈ HK$13,968/mo (50% DSR)
Upfront cash ≈ HK$145K (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).