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$3,420
−HK$214/mo
▼ 0.25% · 3.875%
HK$3,526
−HK$108/mo
Today · 4.125%
HK$3,634
baseline
▲ 0.50% · 4.625%
HK$3,856
+HK$222/mo
Deposit HK$750K · loan HK$750K · min. income ≈ HK$7,268/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,805
−HK$205/mo
▼ 0.25% · 3.875%
HK$3,907
−HK$103/mo
Today · 4.125%
HK$4,010
baseline
▲ 0.50% · 4.625%
HK$4,222
+HK$212/mo
Deposit HK$750K · loan HK$750K · min. income ≈ HK$8,020/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,104
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,232
−HK$129/mo
Today · 4.125%
HK$4,361
baseline
▲ 0.50% · 4.625%
HK$4,627
+HK$266/mo
Deposit HK$600K · loan HK$900K · min. income ≈ HK$8,722/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,566
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,688
−HK$124/mo
Today · 4.125%
HK$4,812
baseline
▲ 0.50% · 4.625%
HK$5,066
+HK$254/mo
Deposit HK$600K · loan HK$900K · min. income ≈ HK$9,624/mo (50% DSR)
Upfront cash ≈ HK$600K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,788
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,937
−HK$151/mo
Today · 4.125%
HK$5,088
baseline
▲ 0.50% · 4.625%
HK$5,398
+HK$310/mo
Deposit HK$450K · loan HK$1.05M · min. income ≈ HK$10,176/mo (50% DSR)
Upfront cash ≈ HK$450K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,327
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,470
−HK$144/mo
Today · 4.125%
HK$5,614
baseline
▲ 0.50% · 4.625%
HK$5,910
+HK$296/mo
Deposit HK$450K · loan HK$1.05M · min. income ≈ HK$11,228/mo (50% DSR)
Upfront cash ≈ HK$450K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,156
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,348
−HK$194/mo
Today · 4.125%
HK$6,542
baseline
▲ 0.50% · 4.625%
HK$6,940
+HK$398/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$13,084/mo (50% DSR)
Upfront cash ≈ HK$150K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,849
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,032
−HK$187/mo
Today · 4.125%
HK$7,219
baseline
▲ 0.50% · 4.625%
HK$7,599
+HK$380/mo
Deposit HK$150K · loan HK$1.35M · min. income ≈ HK$14,438/mo (50% DSR)
Upfront cash ≈ HK$150K (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).