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$4,072
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,198
−HK$129/mo
Today · 4.125%
HK$4,327
baseline
▲ 0.50% · 4.625%
HK$4,590
+HK$263/mo
Deposit HK$893K · loan HK$893K · min. income ≈ HK$8,654/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,530
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,651
−HK$123/mo
Today · 4.125%
HK$4,774
baseline
▲ 0.50% · 4.625%
HK$5,026
+HK$252/mo
Deposit HK$893K · loan HK$893K · min. income ≈ HK$9,548/mo (50% DSR)
Upfront cash ≈ HK$893K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,886
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,038
−HK$154/mo
Today · 4.125%
HK$5,192
baseline
▲ 0.50% · 4.625%
HK$5,508
+HK$316/mo
Deposit HK$714K · loan HK$1.07M · min. income ≈ HK$10,384/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,436
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,581
−HK$148/mo
Today · 4.125%
HK$5,729
baseline
▲ 0.50% · 4.625%
HK$6,031
+HK$302/mo
Deposit HK$714K · loan HK$1.07M · min. income ≈ HK$11,458/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,700
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,878
−HK$180/mo
Today · 4.125%
HK$6,058
baseline
▲ 0.50% · 4.625%
HK$6,426
+HK$368/mo
Deposit HK$536K · loan HK$1.25M · min. income ≈ HK$12,116/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,342
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,512
−HK$172/mo
Today · 4.125%
HK$6,684
baseline
▲ 0.50% · 4.625%
HK$7,037
+HK$353/mo
Deposit HK$536K · loan HK$1.25M · min. income ≈ HK$13,368/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,329
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,557
−HK$232/mo
Today · 4.125%
HK$7,789
baseline
▲ 0.50% · 4.625%
HK$8,263
+HK$474/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$15,578/mo (50% DSR)
Upfront cash ≈ HK$179K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,154
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,372
−HK$222/mo
Today · 4.125%
HK$8,594
baseline
▲ 0.50% · 4.625%
HK$9,047
+HK$453/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$17,188/mo (50% DSR)
Upfront cash ≈ HK$179K (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).