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$4,094
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,222
−HK$129/mo
Today · 4.125%
HK$4,351
baseline
▲ 0.50% · 4.625%
HK$4,616
+HK$265/mo
Deposit HK$898K · loan HK$898K · min. income ≈ HK$8,702/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$4,555
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,677
−HK$124/mo
Today · 4.125%
HK$4,801
baseline
▲ 0.50% · 4.625%
HK$5,054
+HK$253/mo
Deposit HK$898K · loan HK$898K · min. income ≈ HK$9,602/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$4,913
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,066
−HK$155/mo
Today · 4.125%
HK$5,221
baseline
▲ 0.50% · 4.625%
HK$5,539
+HK$318/mo
Deposit HK$718K · loan HK$1.08M · min. income ≈ HK$10,442/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,466
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,613
−HK$148/mo
Today · 4.125%
HK$5,761
baseline
▲ 0.50% · 4.625%
HK$6,065
+HK$304/mo
Deposit HK$718K · loan HK$1.08M · min. income ≈ HK$11,522/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,732
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,911
−HK$181/mo
Today · 4.125%
HK$6,092
baseline
▲ 0.50% · 4.625%
HK$6,462
+HK$370/mo
Deposit HK$539K · loan HK$1.26M · min. income ≈ HK$12,184/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$6,377
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,548
−HK$174/mo
Today · 4.125%
HK$6,722
baseline
▲ 0.50% · 4.625%
HK$7,076
+HK$354/mo
Deposit HK$539K · loan HK$1.26M · min. income ≈ HK$13,444/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$7,370
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,599
−HK$233/mo
Today · 4.125%
HK$7,832
baseline
▲ 0.50% · 4.625%
HK$8,309
+HK$477/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$15,664/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$8,199
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,419
−HK$223/mo
Today · 4.125%
HK$8,642
baseline
▲ 0.50% · 4.625%
HK$9,098
+HK$456/mo
Deposit HK$180K · loan HK$1.62M · min. income ≈ HK$17,284/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).