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$4,023
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,149
−HK$127/mo
Today · 4.125%
HK$4,276
baseline
▲ 0.50% · 4.625%
HK$4,536
+HK$260/mo
Deposit HK$882K · loan HK$882K · min. income ≈ HK$8,552/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,476
−HK$242/mo
▼ 0.25% · 3.875%
HK$4,596
−HK$122/mo
Today · 4.125%
HK$4,718
baseline
▲ 0.50% · 4.625%
HK$4,966
+HK$248/mo
Deposit HK$882K · loan HK$882K · min. income ≈ HK$9,436/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,828
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,978
−HK$153/mo
Today · 4.125%
HK$5,131
baseline
▲ 0.50% · 4.625%
HK$5,443
+HK$312/mo
Deposit HK$706K · loan HK$1.06M · min. income ≈ HK$10,262/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,371
−HK$290/mo
▼ 0.25% · 3.875%
HK$5,515
−HK$146/mo
Today · 4.125%
HK$5,661
baseline
▲ 0.50% · 4.625%
HK$5,960
+HK$299/mo
Deposit HK$706K · loan HK$1.06M · min. income ≈ HK$11,322/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,633
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,808
−HK$178/mo
Today · 4.125%
HK$5,986
baseline
▲ 0.50% · 4.625%
HK$6,350
+HK$364/mo
Deposit HK$529K · loan HK$1.24M · min. income ≈ HK$11,972/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,266
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,434
−HK$171/mo
Today · 4.125%
HK$6,605
baseline
▲ 0.50% · 4.625%
HK$6,953
+HK$348/mo
Deposit HK$529K · loan HK$1.24M · min. income ≈ HK$13,210/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,242
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,467
−HK$229/mo
Today · 4.125%
HK$7,696
baseline
▲ 0.50% · 4.625%
HK$8,165
+HK$469/mo
Deposit HK$176K · loan HK$1.59M · min. income ≈ HK$15,392/mo (50% DSR)
Upfront cash ≈ HK$177K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,057
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,273
−HK$219/mo
Today · 4.125%
HK$8,492
baseline
▲ 0.50% · 4.625%
HK$8,940
+HK$448/mo
Deposit HK$176K · loan HK$1.59M · min. income ≈ HK$16,984/mo (50% DSR)
Upfront cash ≈ HK$177K (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).