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$3,332
−HK$209/mo
▼ 0.25% · 3.875%
HK$3,435
−HK$106/mo
Today · 4.125%
HK$3,541
baseline
▲ 0.50% · 4.625%
HK$3,756
+HK$215/mo
Deposit HK$731K · loan HK$731K · min. income ≈ HK$7,082/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,707
−HK$200/mo
▼ 0.25% · 3.875%
HK$3,806
−HK$101/mo
Today · 4.125%
HK$3,907
baseline
▲ 0.50% · 4.625%
HK$4,113
+HK$206/mo
Deposit HK$731K · loan HK$731K · min. income ≈ HK$7,814/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,998
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,123
−HK$126/mo
Today · 4.125%
HK$4,249
baseline
▲ 0.50% · 4.625%
HK$4,507
+HK$258/mo
Deposit HK$584K · loan HK$877K · min. income ≈ HK$8,498/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,448
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,567
−HK$121/mo
Today · 4.125%
HK$4,688
baseline
▲ 0.50% · 4.625%
HK$4,935
+HK$247/mo
Deposit HK$584K · loan HK$877K · min. income ≈ HK$9,376/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,665
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,810
−HK$147/mo
Today · 4.125%
HK$4,957
baseline
▲ 0.50% · 4.625%
HK$5,259
+HK$302/mo
Deposit HK$438K · loan HK$1.02M · min. income ≈ HK$9,914/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,189
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,328
−HK$142/mo
Today · 4.125%
HK$5,470
baseline
▲ 0.50% · 4.625%
HK$5,758
+HK$288/mo
Deposit HK$438K · loan HK$1.02M · min. income ≈ HK$10,940/mo (50% DSR)
Upfront cash ≈ HK$438K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,997
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,184
−HK$189/mo
Today · 4.125%
HK$6,373
baseline
▲ 0.50% · 4.625%
HK$6,761
+HK$388/mo
Deposit HK$146K · loan HK$1.32M · min. income ≈ HK$12,746/mo (50% DSR)
Upfront cash ≈ HK$146K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,672
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,851
−HK$181/mo
Today · 4.125%
HK$7,032
baseline
▲ 0.50% · 4.625%
HK$7,403
+HK$371/mo
Deposit HK$146K · loan HK$1.32M · min. income ≈ HK$14,064/mo (50% DSR)
Upfront cash ≈ HK$146K (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).