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$3,718
−HK$233/mo
▼ 0.25% · 3.875%
HK$3,834
−HK$117/mo
Today · 4.125%
HK$3,951
baseline
▲ 0.50% · 4.625%
HK$4,192
+HK$241/mo
Deposit HK$815K · loan HK$815K · min. income ≈ HK$7,902/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,136
−HK$224/mo
▼ 0.25% · 3.875%
HK$4,247
−HK$113/mo
Today · 4.125%
HK$4,360
baseline
▲ 0.50% · 4.625%
HK$4,590
+HK$230/mo
Deposit HK$815K · loan HK$815K · min. income ≈ HK$8,720/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,462
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,600
−HK$141/mo
Today · 4.125%
HK$4,741
baseline
▲ 0.50% · 4.625%
HK$5,030
+HK$289/mo
Deposit HK$652K · loan HK$978K · min. income ≈ HK$9,482/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,964
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,097
−HK$135/mo
Today · 4.125%
HK$5,232
baseline
▲ 0.50% · 4.625%
HK$5,508
+HK$276/mo
Deposit HK$652K · loan HK$978K · min. income ≈ HK$10,464/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,205
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,367
−HK$165/mo
Today · 4.125%
HK$5,532
baseline
▲ 0.50% · 4.625%
HK$5,868
+HK$336/mo
Deposit HK$489K · loan HK$1.14M · min. income ≈ HK$11,064/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,791
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,946
−HK$158/mo
Today · 4.125%
HK$6,104
baseline
▲ 0.50% · 4.625%
HK$6,425
+HK$321/mo
Deposit HK$489K · loan HK$1.14M · min. income ≈ HK$12,208/mo (50% DSR)
Upfront cash ≈ HK$489K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,693
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,901
−HK$211/mo
Today · 4.125%
HK$7,112
baseline
▲ 0.50% · 4.625%
HK$7,545
+HK$433/mo
Deposit HK$163K · loan HK$1.47M · min. income ≈ HK$14,224/mo (50% DSR)
Upfront cash ≈ HK$163K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,445
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,645
−HK$203/mo
Today · 4.125%
HK$7,848
baseline
▲ 0.50% · 4.625%
HK$8,261
+HK$413/mo
Deposit HK$163K · loan HK$1.47M · min. income ≈ HK$15,696/mo (50% DSR)
Upfront cash ≈ HK$163K (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).