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$4,056
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,182
−HK$128/mo
Today · 4.125%
HK$4,310
baseline
▲ 0.50% · 4.625%
HK$4,572
+HK$262/mo
Deposit HK$889K · loan HK$889K · min. income ≈ HK$8,620/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,512
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,633
−HK$123/mo
Today · 4.125%
HK$4,756
baseline
▲ 0.50% · 4.625%
HK$5,006
+HK$250/mo
Deposit HK$889K · loan HK$889K · min. income ≈ HK$9,512/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,867
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,018
−HK$154/mo
Today · 4.125%
HK$5,172
baseline
▲ 0.50% · 4.625%
HK$5,487
+HK$315/mo
Deposit HK$711K · loan HK$1.07M · min. income ≈ HK$10,344/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,414
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,560
−HK$147/mo
Today · 4.125%
HK$5,707
baseline
▲ 0.50% · 4.625%
HK$6,008
+HK$301/mo
Deposit HK$711K · loan HK$1.07M · min. income ≈ HK$11,414/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,678
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,855
−HK$179/mo
Today · 4.125%
HK$6,034
baseline
▲ 0.50% · 4.625%
HK$6,401
+HK$367/mo
Deposit HK$534K · loan HK$1.25M · min. income ≈ HK$12,068/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,317
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,486
−HK$172/mo
Today · 4.125%
HK$6,658
baseline
▲ 0.50% · 4.625%
HK$7,009
+HK$351/mo
Deposit HK$534K · loan HK$1.25M · min. income ≈ HK$13,316/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,300
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,527
−HK$231/mo
Today · 4.125%
HK$7,758
baseline
▲ 0.50% · 4.625%
HK$8,230
+HK$472/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$15,516/mo (50% DSR)
Upfront cash ≈ HK$178K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,121
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,339
−HK$221/mo
Today · 4.125%
HK$8,560
baseline
▲ 0.50% · 4.625%
HK$9,011
+HK$451/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$17,120/mo (50% DSR)
Upfront cash ≈ HK$178K (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).