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$3,379
−HK$212/mo
▼ 0.25% · 3.875%
HK$3,484
−HK$107/mo
Today · 4.125%
HK$3,591
baseline
▲ 0.50% · 4.625%
HK$3,809
+HK$218/mo
Deposit HK$741K · loan HK$741K · min. income ≈ HK$7,182/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,759
−HK$203/mo
▼ 0.25% · 3.875%
HK$3,860
−HK$102/mo
Today · 4.125%
HK$3,962
baseline
▲ 0.50% · 4.625%
HK$4,171
+HK$209/mo
Deposit HK$741K · loan HK$741K · min. income ≈ HK$7,924/mo (50% DSR)
Upfront cash ≈ HK$741K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,055
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,181
−HK$128/mo
Today · 4.125%
HK$4,309
baseline
▲ 0.50% · 4.625%
HK$4,571
+HK$262/mo
Deposit HK$593K · loan HK$889K · min. income ≈ HK$8,618/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,511
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,632
−HK$123/mo
Today · 4.125%
HK$4,755
baseline
▲ 0.50% · 4.625%
HK$5,005
+HK$250/mo
Deposit HK$593K · loan HK$889K · min. income ≈ HK$9,510/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,731
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,878
−HK$149/mo
Today · 4.125%
HK$5,027
baseline
▲ 0.50% · 4.625%
HK$5,333
+HK$306/mo
Deposit HK$445K · loan HK$1.04M · min. income ≈ HK$10,054/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,263
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,404
−HK$143/mo
Today · 4.125%
HK$5,547
baseline
▲ 0.50% · 4.625%
HK$5,839
+HK$292/mo
Deposit HK$445K · loan HK$1.04M · min. income ≈ HK$11,094/mo (50% DSR)
Upfront cash ≈ HK$445K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,082
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,271
−HK$193/mo
Today · 4.125%
HK$6,464
baseline
▲ 0.50% · 4.625%
HK$6,857
+HK$393/mo
Deposit HK$148K · loan HK$1.33M · min. income ≈ HK$12,928/mo (50% DSR)
Upfront cash ≈ HK$148K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,766
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,948
−HK$184/mo
Today · 4.125%
HK$7,132
baseline
▲ 0.50% · 4.625%
HK$7,508
+HK$376/mo
Deposit HK$148K · loan HK$1.33M · min. income ≈ HK$14,264/mo (50% DSR)
Upfront cash ≈ HK$148K (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).