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$3,369
−HK$211/mo
▼ 0.25% · 3.875%
HK$3,473
−HK$107/mo
Today · 4.125%
HK$3,580
baseline
▲ 0.50% · 4.625%
HK$3,798
+HK$218/mo
Deposit HK$739K · loan HK$739K · min. income ≈ HK$7,160/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,748
−HK$202/mo
▼ 0.25% · 3.875%
HK$3,848
−HK$102/mo
Today · 4.125%
HK$3,950
baseline
▲ 0.50% · 4.625%
HK$4,158
+HK$208/mo
Deposit HK$739K · loan HK$739K · min. income ≈ HK$7,900/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,042
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,168
−HK$128/mo
Today · 4.125%
HK$4,296
baseline
▲ 0.50% · 4.625%
HK$4,557
+HK$261/mo
Deposit HK$591K · loan HK$886K · min. income ≈ HK$8,592/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,497
−HK$243/mo
▼ 0.25% · 3.875%
HK$4,618
−HK$122/mo
Today · 4.125%
HK$4,740
baseline
▲ 0.50% · 4.625%
HK$4,990
+HK$250/mo
Deposit HK$591K · loan HK$886K · min. income ≈ HK$9,480/mo (50% DSR)
Upfront cash ≈ HK$591K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,716
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,863
−HK$149/mo
Today · 4.125%
HK$5,012
baseline
▲ 0.50% · 4.625%
HK$5,317
+HK$305/mo
Deposit HK$443K · loan HK$1.03M · min. income ≈ HK$10,024/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,247
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,387
−HK$143/mo
Today · 4.125%
HK$5,530
baseline
▲ 0.50% · 4.625%
HK$5,822
+HK$292/mo
Deposit HK$443K · loan HK$1.03M · min. income ≈ HK$11,060/mo (50% DSR)
Upfront cash ≈ HK$443K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,064
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,252
−HK$192/mo
Today · 4.125%
HK$6,444
baseline
▲ 0.50% · 4.625%
HK$6,836
+HK$392/mo
Deposit HK$148K · loan HK$1.33M · min. income ≈ HK$12,888/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$6,746
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,927
−HK$183/mo
Today · 4.125%
HK$7,110
baseline
▲ 0.50% · 4.625%
HK$7,485
+HK$375/mo
Deposit HK$148K · loan HK$1.33M · min. income ≈ HK$14,220/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).