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$4,009
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,134
−HK$126/mo
Today · 4.125%
HK$4,260
baseline
▲ 0.50% · 4.625%
HK$4,520
+HK$260/mo
Deposit HK$879K · loan HK$879K · min. income ≈ HK$8,520/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,460
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,580
−HK$121/mo
Today · 4.125%
HK$4,701
baseline
▲ 0.50% · 4.625%
HK$4,949
+HK$248/mo
Deposit HK$879K · loan HK$879K · min. income ≈ HK$9,402/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,811
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,960
−HK$152/mo
Today · 4.125%
HK$5,112
baseline
▲ 0.50% · 4.625%
HK$5,424
+HK$312/mo
Deposit HK$703K · loan HK$1.05M · min. income ≈ HK$10,224/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,352
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,495
−HK$146/mo
Today · 4.125%
HK$5,641
baseline
▲ 0.50% · 4.625%
HK$5,938
+HK$297/mo
Deposit HK$703K · loan HK$1.05M · min. income ≈ HK$11,282/mo (50% DSR)
Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,613
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,787
−HK$178/mo
Today · 4.125%
HK$5,965
baseline
▲ 0.50% · 4.625%
HK$6,327
+HK$362/mo
Deposit HK$527K · loan HK$1.23M · min. income ≈ HK$11,930/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,244
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,411
−HK$170/mo
Today · 4.125%
HK$6,581
baseline
▲ 0.50% · 4.625%
HK$6,928
+HK$347/mo
Deposit HK$527K · loan HK$1.23M · min. income ≈ HK$13,162/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,216
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,441
−HK$228/mo
Today · 4.125%
HK$7,669
baseline
▲ 0.50% · 4.625%
HK$8,135
+HK$466/mo
Deposit HK$176K · loan HK$1.58M · min. income ≈ HK$15,338/mo (50% DSR)
Upfront cash ≈ HK$176K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,028
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,243
−HK$219/mo
Today · 4.125%
HK$8,462
baseline
▲ 0.50% · 4.625%
HK$8,908
+HK$446/mo
Deposit HK$176K · loan HK$1.58M · min. income ≈ HK$16,924/mo (50% DSR)
Upfront cash ≈ HK$176K (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).