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$4,082
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,209
−HK$129/mo
Today · 4.125%
HK$4,338
baseline
▲ 0.50% · 4.625%
HK$4,602
+HK$264/mo
Deposit HK$895K · loan HK$895K · min. income ≈ HK$8,676/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,541
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,663
−HK$124/mo
Today · 4.125%
HK$4,787
baseline
▲ 0.50% · 4.625%
HK$5,039
+HK$252/mo
Deposit HK$895K · loan HK$895K · min. income ≈ HK$9,574/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,898
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,051
−HK$155/mo
Today · 4.125%
HK$5,206
baseline
▲ 0.50% · 4.625%
HK$5,522
+HK$316/mo
Deposit HK$716K · loan HK$1.07M · min. income ≈ HK$10,412/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,450
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,596
−HK$148/mo
Today · 4.125%
HK$5,744
baseline
▲ 0.50% · 4.625%
HK$6,047
+HK$303/mo
Deposit HK$716K · loan HK$1.07M · min. income ≈ HK$11,488/mo (50% DSR)
Upfront cash ≈ HK$716K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,715
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,893
−HK$180/mo
Today · 4.125%
HK$6,073
baseline
▲ 0.50% · 4.625%
HK$6,443
+HK$370/mo
Deposit HK$537K · loan HK$1.25M · min. income ≈ HK$12,146/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,358
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,528
−HK$173/mo
Today · 4.125%
HK$6,701
baseline
▲ 0.50% · 4.625%
HK$7,054
+HK$353/mo
Deposit HK$537K · loan HK$1.25M · min. income ≈ HK$13,402/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,348
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,576
−HK$232/mo
Today · 4.125%
HK$7,808
baseline
▲ 0.50% · 4.625%
HK$8,284
+HK$476/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$15,616/mo (50% DSR)
Upfront cash ≈ HK$179K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,174
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,394
−HK$222/mo
Today · 4.125%
HK$8,616
baseline
▲ 0.50% · 4.625%
HK$9,070
+HK$454/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$17,232/mo (50% DSR)
Upfront cash ≈ HK$179K (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).