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$3,850
−HK$241/mo
▼ 0.25% · 3.875%
HK$3,970
−HK$121/mo
Today · 4.125%
HK$4,091
baseline
▲ 0.50% · 4.625%
HK$4,340
+HK$249/mo
Deposit HK$844K · loan HK$844K · min. income ≈ HK$8,182/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,283
−HK$231/mo
▼ 0.25% · 3.875%
HK$4,398
−HK$116/mo
Today · 4.125%
HK$4,514
baseline
▲ 0.50% · 4.625%
HK$4,752
+HK$238/mo
Deposit HK$844K · loan HK$844K · min. income ≈ HK$9,028/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,620
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,764
−HK$146/mo
Today · 4.125%
HK$4,910
baseline
▲ 0.50% · 4.625%
HK$5,208
+HK$298/mo
Deposit HK$675K · loan HK$1.01M · min. income ≈ HK$9,820/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,140
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,277
−HK$140/mo
Today · 4.125%
HK$5,417
baseline
▲ 0.50% · 4.625%
HK$5,703
+HK$286/mo
Deposit HK$675K · loan HK$1.01M · min. income ≈ HK$10,834/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,390
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,558
−HK$170/mo
Today · 4.125%
HK$5,728
baseline
▲ 0.50% · 4.625%
HK$6,076
+HK$348/mo
Deposit HK$507K · loan HK$1.18M · min. income ≈ HK$11,456/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,996
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,157
−HK$163/mo
Today · 4.125%
HK$6,320
baseline
▲ 0.50% · 4.625%
HK$6,653
+HK$333/mo
Deposit HK$507K · loan HK$1.18M · min. income ≈ HK$12,640/mo (50% DSR)
Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,930
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,145
−HK$219/mo
Today · 4.125%
HK$7,364
baseline
▲ 0.50% · 4.625%
HK$7,813
+HK$449/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$14,728/mo (50% DSR)
Upfront cash ≈ HK$169K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,709
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,916
−HK$210/mo
Today · 4.125%
HK$8,126
baseline
▲ 0.50% · 4.625%
HK$8,554
+HK$428/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$16,252/mo (50% DSR)
Upfront cash ≈ HK$169K (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).