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$3,391
−HK$212/mo
▼ 0.25% · 3.875%
HK$3,496
−HK$107/mo
Today · 4.125%
HK$3,603
baseline
▲ 0.50% · 4.625%
HK$3,822
+HK$219/mo
Deposit HK$743K · loan HK$743K · min. income ≈ HK$7,206/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,772
−HK$204/mo
▼ 0.25% · 3.875%
HK$3,873
−HK$103/mo
Today · 4.125%
HK$3,976
baseline
▲ 0.50% · 4.625%
HK$4,185
+HK$209/mo
Deposit HK$743K · loan HK$743K · min. income ≈ HK$7,952/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,069
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,195
−HK$129/mo
Today · 4.125%
HK$4,324
baseline
▲ 0.50% · 4.625%
HK$4,587
+HK$263/mo
Deposit HK$595K · loan HK$892K · min. income ≈ HK$8,648/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,526
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,648
−HK$123/mo
Today · 4.125%
HK$4,771
baseline
▲ 0.50% · 4.625%
HK$5,022
+HK$251/mo
Deposit HK$595K · loan HK$892K · min. income ≈ HK$9,542/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,747
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,894
−HK$150/mo
Today · 4.125%
HK$5,044
baseline
▲ 0.50% · 4.625%
HK$5,351
+HK$307/mo
Deposit HK$446K · loan HK$1.04M · min. income ≈ HK$10,088/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,281
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,422
−HK$144/mo
Today · 4.125%
HK$5,566
baseline
▲ 0.50% · 4.625%
HK$5,859
+HK$293/mo
Deposit HK$446K · loan HK$1.04M · min. income ≈ HK$11,132/mo (50% DSR)
Upfront cash ≈ HK$446K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,103
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,293
−HK$193/mo
Today · 4.125%
HK$6,486
baseline
▲ 0.50% · 4.625%
HK$6,880
+HK$394/mo
Deposit HK$149K · loan HK$1.34M · min. income ≈ HK$12,972/mo (50% DSR)
Upfront cash ≈ HK$149K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,789
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,972
−HK$184/mo
Today · 4.125%
HK$7,156
baseline
▲ 0.50% · 4.625%
HK$7,534
+HK$378/mo
Deposit HK$149K · loan HK$1.34M · min. income ≈ HK$14,312/mo (50% DSR)
Upfront cash ≈ HK$149K (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).