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$3,959
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,082
−HK$125/mo
Today · 4.125%
HK$4,207
baseline
▲ 0.50% · 4.625%
HK$4,463
+HK$256/mo
Deposit HK$868K · loan HK$868K · min. income ≈ HK$8,414/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,404
−HK$238/mo
▼ 0.25% · 3.875%
HK$4,522
−HK$120/mo
Today · 4.125%
HK$4,642
baseline
▲ 0.50% · 4.625%
HK$4,887
+HK$245/mo
Deposit HK$868K · loan HK$868K · min. income ≈ HK$9,284/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,751
−HK$297/mo
▼ 0.25% · 3.875%
HK$4,898
−HK$150/mo
Today · 4.125%
HK$5,048
baseline
▲ 0.50% · 4.625%
HK$5,356
+HK$308/mo
Deposit HK$694K · loan HK$1.04M · min. income ≈ HK$10,096/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,285
−HK$285/mo
▼ 0.25% · 3.875%
HK$5,427
−HK$143/mo
Today · 4.125%
HK$5,570
baseline
▲ 0.50% · 4.625%
HK$5,864
+HK$294/mo
Deposit HK$694K · loan HK$1.04M · min. income ≈ HK$11,140/mo (50% DSR)
Upfront cash ≈ HK$695K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,542
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,715
−HK$175/mo
Today · 4.125%
HK$5,890
baseline
▲ 0.50% · 4.625%
HK$6,248
+HK$358/mo
Deposit HK$521K · loan HK$1.22M · min. income ≈ HK$11,780/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,166
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,331
−HK$168/mo
Today · 4.125%
HK$6,499
baseline
▲ 0.50% · 4.625%
HK$6,841
+HK$342/mo
Deposit HK$521K · loan HK$1.22M · min. income ≈ HK$12,998/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,126
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,348
−HK$225/mo
Today · 4.125%
HK$7,573
baseline
▲ 0.50% · 4.625%
HK$8,033
+HK$460/mo
Deposit HK$174K · loan HK$1.56M · min. income ≈ HK$15,146/mo (50% DSR)
Upfront cash ≈ HK$174K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,927
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,140
−HK$216/mo
Today · 4.125%
HK$8,356
baseline
▲ 0.50% · 4.625%
HK$8,796
+HK$440/mo
Deposit HK$174K · loan HK$1.56M · min. income ≈ HK$16,712/mo (50% DSR)
Upfront cash ≈ HK$174K (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).