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$3,819
−HK$239/mo
▼ 0.25% · 3.875%
HK$3,937
−HK$121/mo
Today · 4.125%
HK$4,058
baseline
▲ 0.50% · 4.625%
HK$4,305
+HK$247/mo
Deposit HK$837K · loan HK$837K · min. income ≈ HK$8,116/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,248
−HK$230/mo
▼ 0.25% · 3.875%
HK$4,362
−HK$116/mo
Today · 4.125%
HK$4,478
baseline
▲ 0.50% · 4.625%
HK$4,714
+HK$236/mo
Deposit HK$837K · loan HK$837K · min. income ≈ HK$8,956/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,582
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,725
−HK$145/mo
Today · 4.125%
HK$4,870
baseline
▲ 0.50% · 4.625%
HK$5,166
+HK$296/mo
Deposit HK$670K · loan HK$1.00M · min. income ≈ HK$9,740/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,098
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,234
−HK$139/mo
Today · 4.125%
HK$5,373
baseline
▲ 0.50% · 4.625%
HK$5,656
+HK$283/mo
Deposit HK$670K · loan HK$1.00M · min. income ≈ HK$10,746/mo (50% DSR)
Upfront cash ≈ HK$670K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,346
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,512
−HK$169/mo
Today · 4.125%
HK$5,681
baseline
▲ 0.50% · 4.625%
HK$6,027
+HK$346/mo
Deposit HK$502K · loan HK$1.17M · min. income ≈ HK$11,362/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,947
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,107
−HK$162/mo
Today · 4.125%
HK$6,269
baseline
▲ 0.50% · 4.625%
HK$6,599
+HK$330/mo
Deposit HK$502K · loan HK$1.17M · min. income ≈ HK$12,538/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,873
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,087
−HK$217/mo
Today · 4.125%
HK$7,304
baseline
▲ 0.50% · 4.625%
HK$7,749
+HK$445/mo
Deposit HK$167K · loan HK$1.51M · min. income ≈ HK$14,608/mo (50% DSR)
Upfront cash ≈ HK$168K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,647
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,852
−HK$208/mo
Today · 4.125%
HK$8,060
baseline
▲ 0.50% · 4.625%
HK$8,485
+HK$425/mo
Deposit HK$167K · loan HK$1.51M · min. income ≈ HK$16,120/mo (50% DSR)
Upfront cash ≈ HK$168K (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).