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$3,039
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,134
−HK$96/mo
Today · 4.125%
HK$3,230
baseline
▲ 0.50% · 4.625%
HK$3,426
+HK$196/mo
Deposit HK$666K · loan HK$666K · min. income ≈ HK$6,460/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,381
−HK$183/mo
▼ 0.25% · 3.875%
HK$3,472
−HK$92/mo
Today · 4.125%
HK$3,564
baseline
▲ 0.50% · 4.625%
HK$3,752
+HK$188/mo
Deposit HK$666K · loan HK$666K · min. income ≈ HK$7,128/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,647
−HK$229/mo
▼ 0.25% · 3.875%
HK$3,760
−HK$116/mo
Today · 4.125%
HK$3,876
baseline
▲ 0.50% · 4.625%
HK$4,111
+HK$235/mo
Deposit HK$533K · loan HK$800K · min. income ≈ HK$7,752/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,057
−HK$219/mo
▼ 0.25% · 3.875%
HK$4,166
−HK$110/mo
Today · 4.125%
HK$4,276
baseline
▲ 0.50% · 4.625%
HK$4,502
+HK$226/mo
Deposit HK$533K · loan HK$800K · min. income ≈ HK$8,552/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,255
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,387
−HK$135/mo
Today · 4.125%
HK$4,522
baseline
▲ 0.50% · 4.625%
HK$4,797
+HK$275/mo
Deposit HK$400K · loan HK$933K · min. income ≈ HK$9,044/mo (50% DSR)
Upfront cash ≈ HK$400K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,733
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,860
−HK$129/mo
Today · 4.125%
HK$4,989
baseline
▲ 0.50% · 4.625%
HK$5,252
+HK$263/mo
Deposit HK$400K · loan HK$933K · min. income ≈ HK$9,978/mo (50% DSR)
Upfront cash ≈ HK$400K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,470
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,641
−HK$172/mo
Today · 4.125%
HK$5,813
baseline
▲ 0.50% · 4.625%
HK$6,167
+HK$354/mo
Deposit HK$133K · loan HK$1.20M · min. income ≈ HK$11,626/mo (50% DSR)
Upfront cash ≈ HK$133K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,086
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,249
−HK$166/mo
Today · 4.125%
HK$6,415
baseline
▲ 0.50% · 4.625%
HK$6,753
+HK$338/mo
Deposit HK$133K · loan HK$1.20M · min. income ≈ HK$12,830/mo (50% DSR)
Upfront cash ≈ HK$133K (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).