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$3,940
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,062
−HK$125/mo
Today · 4.125%
HK$4,187
baseline
▲ 0.50% · 4.625%
HK$4,442
+HK$255/mo
Deposit HK$864K · loan HK$864K · min. income ≈ HK$8,374/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,383
−HK$237/mo
▼ 0.25% · 3.875%
HK$4,500
−HK$120/mo
Today · 4.125%
HK$4,620
baseline
▲ 0.50% · 4.625%
HK$4,863
+HK$243/mo
Deposit HK$864K · loan HK$864K · min. income ≈ HK$9,240/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,728
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,875
−HK$149/mo
Today · 4.125%
HK$5,024
baseline
▲ 0.50% · 4.625%
HK$5,330
+HK$306/mo
Deposit HK$691K · loan HK$1.04M · min. income ≈ HK$10,048/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,260
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,401
−HK$143/mo
Today · 4.125%
HK$5,544
baseline
▲ 0.50% · 4.625%
HK$5,836
+HK$292/mo
Deposit HK$691K · loan HK$1.04M · min. income ≈ HK$11,088/mo (50% DSR)
Upfront cash ≈ HK$691K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,516
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,687
−HK$175/mo
Today · 4.125%
HK$5,862
baseline
▲ 0.50% · 4.625%
HK$6,218
+HK$356/mo
Deposit HK$518K · loan HK$1.21M · min. income ≈ HK$11,724/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,136
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,301
−HK$167/mo
Today · 4.125%
HK$6,468
baseline
▲ 0.50% · 4.625%
HK$6,809
+HK$341/mo
Deposit HK$518K · loan HK$1.21M · min. income ≈ HK$12,936/mo (50% DSR)
Upfront cash ≈ HK$518K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,092
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,312
−HK$224/mo
Today · 4.125%
HK$7,536
baseline
▲ 0.50% · 4.625%
HK$7,995
+HK$459/mo
Deposit HK$173K · loan HK$1.55M · min. income ≈ HK$15,072/mo (50% DSR)
Upfront cash ≈ HK$173K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,889
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,101
−HK$214/mo
Today · 4.125%
HK$8,315
baseline
▲ 0.50% · 4.625%
HK$8,754
+HK$439/mo
Deposit HK$173K · loan HK$1.55M · min. income ≈ HK$16,630/mo (50% DSR)
Upfront cash ≈ HK$173K (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).