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$3,682
−HK$231/mo
▼ 0.25% · 3.875%
HK$3,796
−HK$117/mo
Today · 4.125%
HK$3,913
baseline
▲ 0.50% · 4.625%
HK$4,151
+HK$238/mo
Deposit HK$807K · loan HK$807K · min. income ≈ HK$7,826/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,096
−HK$221/mo
▼ 0.25% · 3.875%
HK$4,206
−HK$111/mo
Today · 4.125%
HK$4,317
baseline
▲ 0.50% · 4.625%
HK$4,545
+HK$228/mo
Deposit HK$807K · loan HK$807K · min. income ≈ HK$8,634/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,418
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,555
−HK$140/mo
Today · 4.125%
HK$4,695
baseline
▲ 0.50% · 4.625%
HK$4,981
+HK$286/mo
Deposit HK$646K · loan HK$969K · min. income ≈ HK$9,390/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,915
−HK$266/mo
▼ 0.25% · 3.875%
HK$5,047
−HK$134/mo
Today · 4.125%
HK$5,181
baseline
▲ 0.50% · 4.625%
HK$5,454
+HK$273/mo
Deposit HK$646K · loan HK$969K · min. income ≈ HK$10,362/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,154
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,315
−HK$163/mo
Today · 4.125%
HK$5,478
baseline
▲ 0.50% · 4.625%
HK$5,811
+HK$333/mo
Deposit HK$484K · loan HK$1.13M · min. income ≈ HK$10,956/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,734
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,888
−HK$156/mo
Today · 4.125%
HK$6,044
baseline
▲ 0.50% · 4.625%
HK$6,363
+HK$319/mo
Deposit HK$484K · loan HK$1.13M · min. income ≈ HK$12,088/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,627
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,833
−HK$210/mo
Today · 4.125%
HK$7,043
baseline
▲ 0.50% · 4.625%
HK$7,471
+HK$428/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$14,086/mo (50% DSR)
Upfront cash ≈ HK$162K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,373
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,570
−HK$201/mo
Today · 4.125%
HK$7,771
baseline
▲ 0.50% · 4.625%
HK$8,180
+HK$409/mo
Deposit HK$161K · loan HK$1.45M · min. income ≈ HK$15,542/mo (50% DSR)
Upfront cash ≈ HK$162K (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).