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$4,011
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,136
−HK$126/mo
Today · 4.125%
HK$4,262
baseline
▲ 0.50% · 4.625%
HK$4,522
+HK$260/mo
Deposit HK$879K · loan HK$879K · min. income ≈ HK$8,524/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,462
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,582
−HK$121/mo
Today · 4.125%
HK$4,703
baseline
▲ 0.50% · 4.625%
HK$4,951
+HK$248/mo
Deposit HK$879K · loan HK$879K · min. income ≈ HK$9,406/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,813
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,963
−HK$152/mo
Today · 4.125%
HK$5,115
baseline
▲ 0.50% · 4.625%
HK$5,426
+HK$311/mo
Deposit HK$704K · loan HK$1.06M · min. income ≈ HK$10,230/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,355
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,498
−HK$146/mo
Today · 4.125%
HK$5,644
baseline
▲ 0.50% · 4.625%
HK$5,941
+HK$297/mo
Deposit HK$704K · loan HK$1.06M · min. income ≈ HK$11,288/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,615
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,790
−HK$177/mo
Today · 4.125%
HK$5,967
baseline
▲ 0.50% · 4.625%
HK$6,331
+HK$364/mo
Deposit HK$528K · loan HK$1.23M · min. income ≈ HK$11,934/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,247
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,415
−HK$170/mo
Today · 4.125%
HK$6,585
baseline
▲ 0.50% · 4.625%
HK$6,932
+HK$347/mo
Deposit HK$528K · loan HK$1.23M · min. income ≈ HK$13,170/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,220
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,444
−HK$228/mo
Today · 4.125%
HK$7,672
baseline
▲ 0.50% · 4.625%
HK$8,139
+HK$467/mo
Deposit HK$176K · loan HK$1.58M · min. income ≈ HK$15,344/mo (50% DSR)
Upfront cash ≈ HK$176K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,032
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,247
−HK$219/mo
Today · 4.125%
HK$8,466
baseline
▲ 0.50% · 4.625%
HK$8,912
+HK$446/mo
Deposit HK$176K · loan HK$1.58M · min. income ≈ HK$16,932/mo (50% DSR)
Upfront cash ≈ HK$176K (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).