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$3,445
−HK$216/mo
▼ 0.25% · 3.875%
HK$3,552
−HK$109/mo
Today · 4.125%
HK$3,661
baseline
▲ 0.50% · 4.625%
HK$3,884
+HK$223/mo
Deposit HK$755K · loan HK$755K · min. income ≈ HK$7,322/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,833
−HK$207/mo
▼ 0.25% · 3.875%
HK$3,935
−HK$105/mo
Today · 4.125%
HK$4,040
baseline
▲ 0.50% · 4.625%
HK$4,253
+HK$213/mo
Deposit HK$755K · loan HK$755K · min. income ≈ HK$8,080/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,134
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,263
−HK$130/mo
Today · 4.125%
HK$4,393
baseline
▲ 0.50% · 4.625%
HK$4,661
+HK$268/mo
Deposit HK$604K · loan HK$907K · min. income ≈ HK$8,786/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,599
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,723
−HK$125/mo
Today · 4.125%
HK$4,848
baseline
▲ 0.50% · 4.625%
HK$5,103
+HK$255/mo
Deposit HK$604K · loan HK$907K · min. income ≈ HK$9,696/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,823
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,973
−HK$153/mo
Today · 4.125%
HK$5,126
baseline
▲ 0.50% · 4.625%
HK$5,438
+HK$312/mo
Deposit HK$453K · loan HK$1.06M · min. income ≈ HK$10,252/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,366
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,510
−HK$146/mo
Today · 4.125%
HK$5,656
baseline
▲ 0.50% · 4.625%
HK$5,954
+HK$298/mo
Deposit HK$453K · loan HK$1.06M · min. income ≈ HK$11,312/mo (50% DSR)
Upfront cash ≈ HK$453K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,201
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,394
−HK$196/mo
Today · 4.125%
HK$6,590
baseline
▲ 0.50% · 4.625%
HK$6,991
+HK$401/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$13,180/mo (50% DSR)
Upfront cash ≈ HK$151K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,899
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,084
−HK$188/mo
Today · 4.125%
HK$7,272
baseline
▲ 0.50% · 4.625%
HK$7,655
+HK$383/mo
Deposit HK$151K · loan HK$1.36M · min. income ≈ HK$14,544/mo (50% DSR)
Upfront cash ≈ HK$151K (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).