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$4,096
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,224
−HK$129/mo
Today · 4.125%
HK$4,353
baseline
▲ 0.50% · 4.625%
HK$4,618
+HK$265/mo
Deposit HK$898K · loan HK$898K · min. income ≈ HK$8,706/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,557
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,679
−HK$124/mo
Today · 4.125%
HK$4,803
baseline
▲ 0.50% · 4.625%
HK$5,056
+HK$253/mo
Deposit HK$898K · loan HK$898K · min. income ≈ HK$9,606/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,915
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,068
−HK$156/mo
Today · 4.125%
HK$5,224
baseline
▲ 0.50% · 4.625%
HK$5,542
+HK$318/mo
Deposit HK$719K · loan HK$1.08M · min. income ≈ HK$10,448/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,468
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,615
−HK$149/mo
Today · 4.125%
HK$5,764
baseline
▲ 0.50% · 4.625%
HK$6,068
+HK$304/mo
Deposit HK$719K · loan HK$1.08M · min. income ≈ HK$11,528/mo (50% DSR)
Upfront cash ≈ HK$719K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,735
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,913
−HK$181/mo
Today · 4.125%
HK$6,094
baseline
▲ 0.50% · 4.625%
HK$6,465
+HK$371/mo
Deposit HK$539K · loan HK$1.26M · min. income ≈ HK$12,188/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,380
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,551
−HK$173/mo
Today · 4.125%
HK$6,724
baseline
▲ 0.50% · 4.625%
HK$7,079
+HK$355/mo
Deposit HK$539K · loan HK$1.26M · min. income ≈ HK$13,448/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,373
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,602
−HK$234/mo
Today · 4.125%
HK$7,836
baseline
▲ 0.50% · 4.625%
HK$8,312
+HK$476/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$15,672/mo (50% DSR)
Upfront cash ≈ HK$180K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,203
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,423
−HK$223/mo
Today · 4.125%
HK$8,646
baseline
▲ 0.50% · 4.625%
HK$9,101
+HK$455/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$17,292/mo (50% DSR)
Upfront cash ≈ HK$180K (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).