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$3,855
−HK$241/mo
▼ 0.25% · 3.875%
HK$3,974
−HK$122/mo
Today · 4.125%
HK$4,096
baseline
▲ 0.50% · 4.625%
HK$4,346
+HK$250/mo
Deposit HK$845K · loan HK$845K · min. income ≈ HK$8,192/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,288
−HK$232/mo
▼ 0.25% · 3.875%
HK$4,403
−HK$117/mo
Today · 4.125%
HK$4,520
baseline
▲ 0.50% · 4.625%
HK$4,758
+HK$238/mo
Deposit HK$845K · loan HK$845K · min. income ≈ HK$9,040/mo (50% DSR)
Upfront cash ≈ HK$845K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,625
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,769
−HK$147/mo
Today · 4.125%
HK$4,916
baseline
▲ 0.50% · 4.625%
HK$5,215
+HK$299/mo
Deposit HK$676K · loan HK$1.01M · min. income ≈ HK$9,832/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,146
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,284
−HK$140/mo
Today · 4.125%
HK$5,424
baseline
▲ 0.50% · 4.625%
HK$5,710
+HK$286/mo
Deposit HK$676K · loan HK$1.01M · min. income ≈ HK$10,848/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,396
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,564
−HK$171/mo
Today · 4.125%
HK$5,735
baseline
▲ 0.50% · 4.625%
HK$6,084
+HK$349/mo
Deposit HK$507K · loan HK$1.18M · min. income ≈ HK$11,470/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$6,003
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,164
−HK$164/mo
Today · 4.125%
HK$6,328
baseline
▲ 0.50% · 4.625%
HK$6,661
+HK$333/mo
Deposit HK$507K · loan HK$1.18M · min. income ≈ HK$12,656/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$6,938
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,154
−HK$219/mo
Today · 4.125%
HK$7,373
baseline
▲ 0.50% · 4.625%
HK$7,822
+HK$449/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$14,746/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$7,719
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,926
−HK$210/mo
Today · 4.125%
HK$8,136
baseline
▲ 0.50% · 4.625%
HK$8,565
+HK$429/mo
Deposit HK$169K · loan HK$1.52M · min. income ≈ HK$16,272/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).