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$3,514
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,624
−HK$111/mo
Today · 4.125%
HK$3,735
baseline
▲ 0.50% · 4.625%
HK$3,962
+HK$227/mo
Deposit HK$771K · loan HK$771K · min. income ≈ HK$7,470/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,910
−HK$211/mo
▼ 0.25% · 3.875%
HK$4,015
−HK$106/mo
Today · 4.125%
HK$4,121
baseline
▲ 0.50% · 4.625%
HK$4,338
+HK$217/mo
Deposit HK$771K · loan HK$771K · min. income ≈ HK$8,242/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,217
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,348
−HK$134/mo
Today · 4.125%
HK$4,482
baseline
▲ 0.50% · 4.625%
HK$4,754
+HK$272/mo
Deposit HK$616K · loan HK$925K · min. income ≈ HK$8,964/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,692
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,817
−HK$128/mo
Today · 4.125%
HK$4,945
baseline
▲ 0.50% · 4.625%
HK$5,206
+HK$261/mo
Deposit HK$616K · loan HK$925K · min. income ≈ HK$9,890/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,920
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,073
−HK$156/mo
Today · 4.125%
HK$5,229
baseline
▲ 0.50% · 4.625%
HK$5,547
+HK$318/mo
Deposit HK$462K · loan HK$1.08M · min. income ≈ HK$10,458/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,474
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,620
−HK$149/mo
Today · 4.125%
HK$5,769
baseline
▲ 0.50% · 4.625%
HK$6,073
+HK$304/mo
Deposit HK$462K · loan HK$1.08M · min. income ≈ HK$11,538/mo (50% DSR)
Upfront cash ≈ HK$462K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,326
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,523
−HK$200/mo
Today · 4.125%
HK$6,723
baseline
▲ 0.50% · 4.625%
HK$7,132
+HK$409/mo
Deposit HK$154K · loan HK$1.39M · min. income ≈ HK$13,446/mo (50% DSR)
Upfront cash ≈ HK$154K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,037
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,226
−HK$192/mo
Today · 4.125%
HK$7,418
baseline
▲ 0.50% · 4.625%
HK$7,809
+HK$391/mo
Deposit HK$154K · loan HK$1.39M · min. income ≈ HK$14,836/mo (50% DSR)
Upfront cash ≈ HK$154K (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).