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$3,780
−HK$238/mo
▼ 0.25% · 3.875%
HK$3,898
−HK$120/mo
Today · 4.125%
HK$4,018
baseline
▲ 0.50% · 4.625%
HK$4,262
+HK$244/mo
Deposit HK$829K · loan HK$829K · min. income ≈ HK$8,036/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,206
−HK$227/mo
▼ 0.25% · 3.875%
HK$4,319
−HK$114/mo
Today · 4.125%
HK$4,433
baseline
▲ 0.50% · 4.625%
HK$4,667
+HK$234/mo
Deposit HK$829K · loan HK$829K · min. income ≈ HK$8,866/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,537
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,678
−HK$143/mo
Today · 4.125%
HK$4,821
baseline
▲ 0.50% · 4.625%
HK$5,114
+HK$293/mo
Deposit HK$663K · loan HK$995K · min. income ≈ HK$9,642/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,047
−HK$273/mo
▼ 0.25% · 3.875%
HK$5,182
−HK$138/mo
Today · 4.125%
HK$5,320
baseline
▲ 0.50% · 4.625%
HK$5,600
+HK$280/mo
Deposit HK$663K · loan HK$995K · min. income ≈ HK$10,640/mo (50% DSR)
Upfront cash ≈ HK$663K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,293
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,457
−HK$168/mo
Today · 4.125%
HK$5,625
baseline
▲ 0.50% · 4.625%
HK$5,967
+HK$342/mo
Deposit HK$497K · loan HK$1.16M · min. income ≈ HK$11,250/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,888
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,046
−HK$160/mo
Today · 4.125%
HK$6,206
baseline
▲ 0.50% · 4.625%
HK$6,533
+HK$327/mo
Deposit HK$497K · loan HK$1.16M · min. income ≈ HK$12,412/mo (50% DSR)
Upfront cash ≈ HK$497K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,805
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,017
−HK$215/mo
Today · 4.125%
HK$7,232
baseline
▲ 0.50% · 4.625%
HK$7,672
+HK$440/mo
Deposit HK$166K · loan HK$1.49M · min. income ≈ HK$14,464/mo (50% DSR)
Upfront cash ≈ HK$166K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,570
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,773
−HK$206/mo
Today · 4.125%
HK$7,979
baseline
▲ 0.50% · 4.625%
HK$8,400
+HK$421/mo
Deposit HK$166K · loan HK$1.49M · min. income ≈ HK$15,958/mo (50% DSR)
Upfront cash ≈ HK$166K (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).