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$4,053
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,179
−HK$128/mo
Today · 4.125%
HK$4,307
baseline
▲ 0.50% · 4.625%
HK$4,569
+HK$262/mo
Deposit HK$889K · loan HK$889K · min. income ≈ HK$8,614/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,508
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,629
−HK$123/mo
Today · 4.125%
HK$4,752
baseline
▲ 0.50% · 4.625%
HK$5,003
+HK$251/mo
Deposit HK$889K · loan HK$889K · min. income ≈ HK$9,504/mo (50% DSR)
Upfront cash ≈ HK$889K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,863
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,014
−HK$154/mo
Today · 4.125%
HK$5,168
baseline
▲ 0.50% · 4.625%
HK$5,483
+HK$315/mo
Deposit HK$711K · loan HK$1.07M · min. income ≈ HK$10,336/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,410
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,555
−HK$147/mo
Today · 4.125%
HK$5,702
baseline
▲ 0.50% · 4.625%
HK$6,003
+HK$301/mo
Deposit HK$711K · loan HK$1.07M · min. income ≈ HK$11,404/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,674
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,850
−HK$179/mo
Today · 4.125%
HK$6,029
baseline
▲ 0.50% · 4.625%
HK$6,396
+HK$367/mo
Deposit HK$533K · loan HK$1.24M · min. income ≈ HK$12,058/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,312
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,481
−HK$172/mo
Today · 4.125%
HK$6,653
baseline
▲ 0.50% · 4.625%
HK$7,004
+HK$351/mo
Deposit HK$533K · loan HK$1.24M · min. income ≈ HK$13,306/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,295
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,522
−HK$230/mo
Today · 4.125%
HK$7,752
baseline
▲ 0.50% · 4.625%
HK$8,224
+HK$472/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$15,504/mo (50% DSR)
Upfront cash ≈ HK$178K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,115
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,333
−HK$221/mo
Today · 4.125%
HK$8,554
baseline
▲ 0.50% · 4.625%
HK$9,005
+HK$451/mo
Deposit HK$178K · loan HK$1.60M · min. income ≈ HK$17,108/mo (50% DSR)
Upfront cash ≈ HK$178K (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).