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$3,341
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,445
−HK$105/mo
Today · 4.125%
HK$3,550
baseline
▲ 0.50% · 4.625%
HK$3,766
+HK$216/mo
Deposit HK$733K · loan HK$733K · min. income ≈ HK$7,100/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,716
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,816
−HK$101/mo
Today · 4.125%
HK$3,917
baseline
▲ 0.50% · 4.625%
HK$4,124
+HK$207/mo
Deposit HK$733K · loan HK$733K · min. income ≈ HK$7,834/mo (50% DSR)
Upfront cash ≈ HK$733K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,009
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,133
−HK$127/mo
Today · 4.125%
HK$4,260
baseline
▲ 0.50% · 4.625%
HK$4,519
+HK$259/mo
Deposit HK$586K · loan HK$879K · min. income ≈ HK$8,520/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,460
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,579
−HK$122/mo
Today · 4.125%
HK$4,701
baseline
▲ 0.50% · 4.625%
HK$4,948
+HK$247/mo
Deposit HK$586K · loan HK$879K · min. income ≈ HK$9,402/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,677
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,822
−HK$148/mo
Today · 4.125%
HK$4,970
baseline
▲ 0.50% · 4.625%
HK$5,273
+HK$303/mo
Deposit HK$440K · loan HK$1.03M · min. income ≈ HK$9,940/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,203
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,342
−HK$142/mo
Today · 4.125%
HK$5,484
baseline
▲ 0.50% · 4.625%
HK$5,773
+HK$289/mo
Deposit HK$440K · loan HK$1.03M · min. income ≈ HK$10,968/mo (50% DSR)
Upfront cash ≈ HK$440K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,013
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,200
−HK$190/mo
Today · 4.125%
HK$6,390
baseline
▲ 0.50% · 4.625%
HK$6,779
+HK$389/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$12,780/mo (50% DSR)
Upfront cash ≈ HK$147K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,690
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,869
−HK$182/mo
Today · 4.125%
HK$7,051
baseline
▲ 0.50% · 4.625%
HK$7,423
+HK$372/mo
Deposit HK$147K · loan HK$1.32M · min. income ≈ HK$14,102/mo (50% DSR)
Upfront cash ≈ HK$147K (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).