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$3,335
−HK$210/mo
▼ 0.25% · 3.875%
HK$3,439
−HK$106/mo
Today · 4.125%
HK$3,545
baseline
▲ 0.50% · 4.625%
HK$3,760
+HK$215/mo
Deposit HK$731K · loan HK$731K · min. income ≈ HK$7,090/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,711
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,810
−HK$101/mo
Today · 4.125%
HK$3,911
baseline
▲ 0.50% · 4.625%
HK$4,117
+HK$206/mo
Deposit HK$731K · loan HK$731K · min. income ≈ HK$7,822/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,003
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,127
−HK$127/mo
Today · 4.125%
HK$4,254
baseline
▲ 0.50% · 4.625%
HK$4,512
+HK$258/mo
Deposit HK$585K · loan HK$878K · min. income ≈ HK$8,508/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,453
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,572
−HK$121/mo
Today · 4.125%
HK$4,693
baseline
▲ 0.50% · 4.625%
HK$4,941
+HK$248/mo
Deposit HK$585K · loan HK$878K · min. income ≈ HK$9,386/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,670
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,815
−HK$147/mo
Today · 4.125%
HK$4,962
baseline
▲ 0.50% · 4.625%
HK$5,264
+HK$302/mo
Deposit HK$439K · loan HK$1.02M · min. income ≈ HK$9,924/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,195
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,334
−HK$142/mo
Today · 4.125%
HK$5,476
baseline
▲ 0.50% · 4.625%
HK$5,764
+HK$288/mo
Deposit HK$439K · loan HK$1.02M · min. income ≈ HK$10,952/mo (50% DSR)
Upfront cash ≈ HK$439K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,004
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,191
−HK$189/mo
Today · 4.125%
HK$6,380
baseline
▲ 0.50% · 4.625%
HK$6,769
+HK$389/mo
Deposit HK$146K · loan HK$1.32M · min. income ≈ HK$12,760/mo (50% DSR)
Upfront cash ≈ HK$146K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,679
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,858
−HK$182/mo
Today · 4.125%
HK$7,040
baseline
▲ 0.50% · 4.625%
HK$7,411
+HK$371/mo
Deposit HK$146K · loan HK$1.32M · min. income ≈ HK$14,080/mo (50% DSR)
Upfront cash ≈ HK$146K (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).