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$3,545
−HK$222/mo
▼ 0.25% · 3.875%
HK$3,655
−HK$112/mo
Today · 4.125%
HK$3,767
baseline
▲ 0.50% · 4.625%
HK$3,996
+HK$229/mo
Deposit HK$777K · loan HK$777K · min. income ≈ HK$7,534/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,944
−HK$213/mo
▼ 0.25% · 3.875%
HK$4,049
−HK$108/mo
Today · 4.125%
HK$4,157
baseline
▲ 0.50% · 4.625%
HK$4,376
+HK$219/mo
Deposit HK$777K · loan HK$777K · min. income ≈ HK$8,314/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,254
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,386
−HK$135/mo
Today · 4.125%
HK$4,521
baseline
▲ 0.50% · 4.625%
HK$4,796
+HK$275/mo
Deposit HK$622K · loan HK$933K · min. income ≈ HK$9,042/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,732
−HK$256/mo
▼ 0.25% · 3.875%
HK$4,859
−HK$129/mo
Today · 4.125%
HK$4,988
baseline
▲ 0.50% · 4.625%
HK$5,251
+HK$263/mo
Deposit HK$622K · loan HK$933K · min. income ≈ HK$9,976/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,963
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,117
−HK$157/mo
Today · 4.125%
HK$5,274
baseline
▲ 0.50% · 4.625%
HK$5,595
+HK$321/mo
Deposit HK$466K · loan HK$1.09M · min. income ≈ HK$10,548/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,521
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,669
−HK$150/mo
Today · 4.125%
HK$5,819
baseline
▲ 0.50% · 4.625%
HK$6,126
+HK$307/mo
Deposit HK$466K · loan HK$1.09M · min. income ≈ HK$11,638/mo (50% DSR)
Upfront cash ≈ HK$466K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,381
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,579
−HK$202/mo
Today · 4.125%
HK$6,781
baseline
▲ 0.50% · 4.625%
HK$7,194
+HK$413/mo
Deposit HK$155K · loan HK$1.40M · min. income ≈ HK$13,562/mo (50% DSR)
Upfront cash ≈ HK$156K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,099
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,289
−HK$193/mo
Today · 4.125%
HK$7,482
baseline
▲ 0.50% · 4.625%
HK$7,877
+HK$395/mo
Deposit HK$155K · loan HK$1.40M · min. income ≈ HK$14,964/mo (50% DSR)
Upfront cash ≈ HK$156K (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).