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$4,089
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,216
−HK$130/mo
Today · 4.125%
HK$4,346
baseline
▲ 0.50% · 4.625%
HK$4,610
+HK$264/mo
Deposit HK$897K · loan HK$897K · min. income ≈ HK$8,692/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,549
−HK$246/mo
▼ 0.25% · 3.875%
HK$4,671
−HK$124/mo
Today · 4.125%
HK$4,795
baseline
▲ 0.50% · 4.625%
HK$5,048
+HK$253/mo
Deposit HK$897K · loan HK$897K · min. income ≈ HK$9,590/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,907
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,060
−HK$155/mo
Today · 4.125%
HK$5,215
baseline
▲ 0.50% · 4.625%
HK$5,532
+HK$317/mo
Deposit HK$717K · loan HK$1.08M · min. income ≈ HK$10,430/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,459
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,605
−HK$149/mo
Today · 4.125%
HK$5,754
baseline
▲ 0.50% · 4.625%
HK$6,057
+HK$303/mo
Deposit HK$717K · loan HK$1.08M · min. income ≈ HK$11,508/mo (50% DSR)
Upfront cash ≈ HK$717K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,725
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,903
−HK$181/mo
Today · 4.125%
HK$6,084
baseline
▲ 0.50% · 4.625%
HK$6,454
+HK$370/mo
Deposit HK$538K · loan HK$1.26M · min. income ≈ HK$12,168/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,369
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,540
−HK$173/mo
Today · 4.125%
HK$6,713
baseline
▲ 0.50% · 4.625%
HK$7,067
+HK$354/mo
Deposit HK$538K · loan HK$1.26M · min. income ≈ HK$13,426/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,360
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,589
−HK$233/mo
Today · 4.125%
HK$7,822
baseline
▲ 0.50% · 4.625%
HK$8,298
+HK$476/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$15,644/mo (50% DSR)
Upfront cash ≈ HK$179K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,188
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,408
−HK$223/mo
Today · 4.125%
HK$8,631
baseline
▲ 0.50% · 4.625%
HK$9,086
+HK$455/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$17,262/mo (50% DSR)
Upfront cash ≈ HK$179K (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).