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$3,607
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,719
−HK$114/mo
Today · 4.125%
HK$3,833
baseline
▲ 0.50% · 4.625%
HK$4,066
+HK$233/mo
Deposit HK$791K · loan HK$791K · min. income ≈ HK$7,666/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,012
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,120
−HK$109/mo
Today · 4.125%
HK$4,229
baseline
▲ 0.50% · 4.625%
HK$4,452
+HK$223/mo
Deposit HK$791K · loan HK$791K · min. income ≈ HK$8,458/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,328
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,463
−HK$136/mo
Today · 4.125%
HK$4,599
baseline
▲ 0.50% · 4.625%
HK$4,879
+HK$280/mo
Deposit HK$633K · loan HK$949K · min. income ≈ HK$9,198/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,815
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,944
−HK$131/mo
Today · 4.125%
HK$5,075
baseline
▲ 0.50% · 4.625%
HK$5,342
+HK$267/mo
Deposit HK$633K · loan HK$949K · min. income ≈ HK$10,150/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,049
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,206
−HK$160/mo
Today · 4.125%
HK$5,366
baseline
▲ 0.50% · 4.625%
HK$5,692
+HK$326/mo
Deposit HK$475K · loan HK$1.11M · min. income ≈ HK$10,732/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,617
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,768
−HK$153/mo
Today · 4.125%
HK$5,921
baseline
▲ 0.50% · 4.625%
HK$6,233
+HK$312/mo
Deposit HK$475K · loan HK$1.11M · min. income ≈ HK$11,842/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,492
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,694
−HK$205/mo
Today · 4.125%
HK$6,899
baseline
▲ 0.50% · 4.625%
HK$7,319
+HK$420/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$13,798/mo (50% DSR)
Upfront cash ≈ HK$158K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,222
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,416
−HK$196/mo
Today · 4.125%
HK$7,612
baseline
▲ 0.50% · 4.625%
HK$8,014
+HK$402/mo
Deposit HK$158K · loan HK$1.42M · min. income ≈ HK$15,224/mo (50% DSR)
Upfront cash ≈ HK$158K (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).