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$3,703
−HK$232/mo
▼ 0.25% · 3.875%
HK$3,818
−HK$117/mo
Today · 4.125%
HK$3,935
baseline
▲ 0.50% · 4.625%
HK$4,174
+HK$239/mo
Deposit HK$812K · loan HK$812K · min. income ≈ HK$7,870/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,119
−HK$223/mo
▼ 0.25% · 3.875%
HK$4,230
−HK$112/mo
Today · 4.125%
HK$4,342
baseline
▲ 0.50% · 4.625%
HK$4,571
+HK$229/mo
Deposit HK$812K · loan HK$812K · min. income ≈ HK$8,684/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,443
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,582
−HK$140/mo
Today · 4.125%
HK$4,722
baseline
▲ 0.50% · 4.625%
HK$5,009
+HK$287/mo
Deposit HK$650K · loan HK$974K · min. income ≈ HK$9,444/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,943
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,076
−HK$134/mo
Today · 4.125%
HK$5,210
baseline
▲ 0.50% · 4.625%
HK$5,485
+HK$275/mo
Deposit HK$650K · loan HK$974K · min. income ≈ HK$10,420/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,184
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,345
−HK$164/mo
Today · 4.125%
HK$5,509
baseline
▲ 0.50% · 4.625%
HK$5,844
+HK$335/mo
Deposit HK$487K · loan HK$1.14M · min. income ≈ HK$11,018/mo (50% DSR)
Upfront cash ≈ HK$487K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,767
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,922
−HK$157/mo
Today · 4.125%
HK$6,079
baseline
▲ 0.50% · 4.625%
HK$6,399
+HK$320/mo
Deposit HK$487K · loan HK$1.14M · min. income ≈ HK$12,158/mo (50% DSR)
Upfront cash ≈ HK$487K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,665
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,872
−HK$211/mo
Today · 4.125%
HK$7,083
baseline
▲ 0.50% · 4.625%
HK$7,514
+HK$431/mo
Deposit HK$162K · loan HK$1.46M · min. income ≈ HK$14,166/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$7,415
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,614
−HK$201/mo
Today · 4.125%
HK$7,815
baseline
▲ 0.50% · 4.625%
HK$8,227
+HK$412/mo
Deposit HK$162K · loan HK$1.46M · min. income ≈ HK$15,630/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).