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$3,483
−HK$219/mo
▼ 0.25% · 3.875%
HK$3,592
−HK$110/mo
Today · 4.125%
HK$3,702
baseline
▲ 0.50% · 4.625%
HK$3,927
+HK$225/mo
Deposit HK$764K · loan HK$764K · min. income ≈ HK$7,404/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,875
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,979
−HK$105/mo
Today · 4.125%
HK$4,084
baseline
▲ 0.50% · 4.625%
HK$4,300
+HK$216/mo
Deposit HK$764K · loan HK$764K · min. income ≈ HK$8,168/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,180
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,310
−HK$132/mo
Today · 4.125%
HK$4,442
baseline
▲ 0.50% · 4.625%
HK$4,712
+HK$270/mo
Deposit HK$611K · loan HK$917K · min. income ≈ HK$8,884/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,650
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,775
−HK$126/mo
Today · 4.125%
HK$4,901
baseline
▲ 0.50% · 4.625%
HK$5,160
+HK$259/mo
Deposit HK$611K · loan HK$917K · min. income ≈ HK$9,802/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,877
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,028
−HK$154/mo
Today · 4.125%
HK$5,182
baseline
▲ 0.50% · 4.625%
HK$5,498
+HK$316/mo
Deposit HK$458K · loan HK$1.07M · min. income ≈ HK$10,364/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,425
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,571
−HK$147/mo
Today · 4.125%
HK$5,718
baseline
▲ 0.50% · 4.625%
HK$6,020
+HK$302/mo
Deposit HK$458K · loan HK$1.07M · min. income ≈ HK$11,436/mo (50% DSR)
Upfront cash ≈ HK$458K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,270
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,465
−HK$198/mo
Today · 4.125%
HK$6,663
baseline
▲ 0.50% · 4.625%
HK$7,068
+HK$405/mo
Deposit HK$153K · loan HK$1.37M · min. income ≈ HK$13,326/mo (50% DSR)
Upfront cash ≈ HK$153K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,975
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,162
−HK$190/mo
Today · 4.125%
HK$7,352
baseline
▲ 0.50% · 4.625%
HK$7,740
+HK$388/mo
Deposit HK$153K · loan HK$1.37M · min. income ≈ HK$14,704/mo (50% DSR)
Upfront cash ≈ HK$153K (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).