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$3,337
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,441
−HK$105/mo
Today · 4.125%
HK$3,546
baseline
▲ 0.50% · 4.625%
HK$3,762
+HK$216/mo
Deposit HK$732K · loan HK$732K · min. income ≈ HK$7,092/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,712
−HK$201/mo
▼ 0.25% · 3.875%
HK$3,812
−HK$101/mo
Today · 4.125%
HK$3,913
baseline
▲ 0.50% · 4.625%
HK$4,119
+HK$206/mo
Deposit HK$732K · loan HK$732K · min. income ≈ HK$7,826/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,005
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,129
−HK$127/mo
Today · 4.125%
HK$4,256
baseline
▲ 0.50% · 4.625%
HK$4,515
+HK$259/mo
Deposit HK$585K · loan HK$878K · min. income ≈ HK$8,512/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$4,455
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,574
−HK$122/mo
Today · 4.125%
HK$4,696
baseline
▲ 0.50% · 4.625%
HK$4,943
+HK$247/mo
Deposit HK$585K · loan HK$878K · min. income ≈ HK$9,392/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$4,672
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,817
−HK$148/mo
Today · 4.125%
HK$4,965
baseline
▲ 0.50% · 4.625%
HK$5,267
+HK$302/mo
Deposit HK$439K · loan HK$1.02M · min. income ≈ HK$9,930/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$5,197
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,337
−HK$141/mo
Today · 4.125%
HK$5,478
baseline
▲ 0.50% · 4.625%
HK$5,767
+HK$289/mo
Deposit HK$439K · loan HK$1.02M · min. income ≈ HK$10,956/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$6,007
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,194
−HK$189/mo
Today · 4.125%
HK$6,383
baseline
▲ 0.50% · 4.625%
HK$6,772
+HK$389/mo
Deposit HK$146K · loan HK$1.32M · min. income ≈ HK$12,766/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$6,682
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,862
−HK$182/mo
Today · 4.125%
HK$7,044
baseline
▲ 0.50% · 4.625%
HK$7,415
+HK$371/mo
Deposit HK$146K · loan HK$1.32M · min. income ≈ HK$14,088/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).