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$3,612
−HK$226/mo
▼ 0.25% · 3.875%
HK$3,724
−HK$114/mo
Today · 4.125%
HK$3,838
baseline
▲ 0.50% · 4.625%
HK$4,072
+HK$234/mo
Deposit HK$792K · loan HK$792K · min. income ≈ HK$7,676/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,018
−HK$217/mo
▼ 0.25% · 3.875%
HK$4,126
−HK$109/mo
Today · 4.125%
HK$4,235
baseline
▲ 0.50% · 4.625%
HK$4,458
+HK$223/mo
Deposit HK$792K · loan HK$792K · min. income ≈ HK$8,470/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,334
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,469
−HK$137/mo
Today · 4.125%
HK$4,606
baseline
▲ 0.50% · 4.625%
HK$4,886
+HK$280/mo
Deposit HK$634K · loan HK$950K · min. income ≈ HK$9,212/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,822
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,951
−HK$131/mo
Today · 4.125%
HK$5,082
baseline
▲ 0.50% · 4.625%
HK$5,350
+HK$268/mo
Deposit HK$634K · loan HK$950K · min. income ≈ HK$10,164/mo (50% DSR)
Upfront cash ≈ HK$634K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,057
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,214
−HK$160/mo
Today · 4.125%
HK$5,374
baseline
▲ 0.50% · 4.625%
HK$5,701
+HK$327/mo
Deposit HK$475K · loan HK$1.11M · min. income ≈ HK$10,748/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,625
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,776
−HK$153/mo
Today · 4.125%
HK$5,929
baseline
▲ 0.50% · 4.625%
HK$6,242
+HK$313/mo
Deposit HK$475K · loan HK$1.11M · min. income ≈ HK$11,858/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,501
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,703
−HK$206/mo
Today · 4.125%
HK$6,909
baseline
▲ 0.50% · 4.625%
HK$7,329
+HK$420/mo
Deposit HK$158K · loan HK$1.43M · min. income ≈ HK$13,818/mo (50% DSR)
Upfront cash ≈ HK$158K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,233
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,427
−HK$196/mo
Today · 4.125%
HK$7,623
baseline
▲ 0.50% · 4.625%
HK$8,025
+HK$402/mo
Deposit HK$158K · loan HK$1.43M · min. income ≈ HK$15,246/mo (50% DSR)
Upfront cash ≈ HK$158K (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).