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$3,923
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,045
−HK$124/mo
Today · 4.125%
HK$4,169
baseline
▲ 0.50% · 4.625%
HK$4,423
+HK$254/mo
Deposit HK$860K · loan HK$860K · min. income ≈ HK$8,338/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,365
−HK$236/mo
▼ 0.25% · 3.875%
HK$4,482
−HK$119/mo
Today · 4.125%
HK$4,601
baseline
▲ 0.50% · 4.625%
HK$4,843
+HK$242/mo
Deposit HK$860K · loan HK$860K · min. income ≈ HK$9,202/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,708
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,855
−HK$148/mo
Today · 4.125%
HK$5,003
baseline
▲ 0.50% · 4.625%
HK$5,308
+HK$305/mo
Deposit HK$688K · loan HK$1.03M · min. income ≈ HK$10,006/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,238
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,378
−HK$143/mo
Today · 4.125%
HK$5,521
baseline
▲ 0.50% · 4.625%
HK$5,812
+HK$291/mo
Deposit HK$688K · loan HK$1.03M · min. income ≈ HK$11,042/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,493
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,664
−HK$173/mo
Today · 4.125%
HK$5,837
baseline
▲ 0.50% · 4.625%
HK$6,192
+HK$355/mo
Deposit HK$516K · loan HK$1.20M · min. income ≈ HK$11,674/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,111
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,275
−HK$166/mo
Today · 4.125%
HK$6,441
baseline
▲ 0.50% · 4.625%
HK$6,780
+HK$339/mo
Deposit HK$516K · loan HK$1.20M · min. income ≈ HK$12,882/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,062
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,282
−HK$223/mo
Today · 4.125%
HK$7,505
baseline
▲ 0.50% · 4.625%
HK$7,962
+HK$457/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$15,010/mo (50% DSR)
Upfront cash ≈ HK$172K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,857
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,067
−HK$214/mo
Today · 4.125%
HK$8,281
baseline
▲ 0.50% · 4.625%
HK$8,718
+HK$437/mo
Deposit HK$172K · loan HK$1.55M · min. income ≈ HK$16,562/mo (50% DSR)
Upfront cash ≈ HK$172K (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).