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$3,938
−HK$247/mo
▼ 0.25% · 3.875%
HK$4,061
−HK$124/mo
Today · 4.125%
HK$4,185
baseline
▲ 0.50% · 4.625%
HK$4,440
+HK$255/mo
Deposit HK$864K · loan HK$864K · min. income ≈ HK$8,370/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$4,381
−HK$237/mo
▼ 0.25% · 3.875%
HK$4,499
−HK$119/mo
Today · 4.125%
HK$4,618
baseline
▲ 0.50% · 4.625%
HK$4,862
+HK$244/mo
Deposit HK$864K · loan HK$864K · min. income ≈ HK$9,236/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$4,726
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,873
−HK$149/mo
Today · 4.125%
HK$5,022
baseline
▲ 0.50% · 4.625%
HK$5,328
+HK$306/mo
Deposit HK$691K · loan HK$1.04M · min. income ≈ HK$10,044/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$5,258
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,399
−HK$143/mo
Today · 4.125%
HK$5,542
baseline
▲ 0.50% · 4.625%
HK$5,834
+HK$292/mo
Deposit HK$691K · loan HK$1.04M · min. income ≈ HK$11,084/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$5,514
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,685
−HK$175/mo
Today · 4.125%
HK$5,860
baseline
▲ 0.50% · 4.625%
HK$6,216
+HK$356/mo
Deposit HK$518K · loan HK$1.21M · min. income ≈ HK$11,720/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$6,134
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,299
−HK$166/mo
Today · 4.125%
HK$6,465
baseline
▲ 0.50% · 4.625%
HK$6,806
+HK$341/mo
Deposit HK$518K · loan HK$1.21M · min. income ≈ HK$12,930/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$7,089
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,310
−HK$224/mo
Today · 4.125%
HK$7,534
baseline
▲ 0.50% · 4.625%
HK$7,992
+HK$458/mo
Deposit HK$173K · loan HK$1.55M · min. income ≈ HK$15,068/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$7,887
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,098
−HK$215/mo
Today · 4.125%
HK$8,313
baseline
▲ 0.50% · 4.625%
HK$8,751
+HK$438/mo
Deposit HK$173K · loan HK$1.55M · min. income ≈ HK$16,626/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).