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$3,813
−HK$239/mo
▼ 0.25% · 3.875%
HK$3,932
−HK$120/mo
Today · 4.125%
HK$4,052
baseline
▲ 0.50% · 4.625%
HK$4,299
+HK$247/mo
Deposit HK$836K · loan HK$836K · min. income ≈ HK$8,104/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,242
−HK$229/mo
▼ 0.25% · 3.875%
HK$4,356
−HK$115/mo
Today · 4.125%
HK$4,471
baseline
▲ 0.50% · 4.625%
HK$4,707
+HK$236/mo
Deposit HK$836K · loan HK$836K · min. income ≈ HK$8,942/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,576
−HK$287/mo
▼ 0.25% · 3.875%
HK$4,718
−HK$145/mo
Today · 4.125%
HK$4,863
baseline
▲ 0.50% · 4.625%
HK$5,159
+HK$296/mo
Deposit HK$669K · loan HK$1.00M · min. income ≈ HK$9,726/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,090
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,227
−HK$138/mo
Today · 4.125%
HK$5,365
baseline
▲ 0.50% · 4.625%
HK$5,648
+HK$283/mo
Deposit HK$669K · loan HK$1.00M · min. income ≈ HK$10,730/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,338
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,504
−HK$169/mo
Today · 4.125%
HK$5,673
baseline
▲ 0.50% · 4.625%
HK$6,018
+HK$345/mo
Deposit HK$502K · loan HK$1.17M · min. income ≈ HK$11,346/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$5,939
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,098
−HK$162/mo
Today · 4.125%
HK$6,260
baseline
▲ 0.50% · 4.625%
HK$6,590
+HK$330/mo
Deposit HK$502K · loan HK$1.17M · min. income ≈ HK$12,520/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$6,864
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,077
−HK$217/mo
Today · 4.125%
HK$7,294
baseline
▲ 0.50% · 4.625%
HK$7,738
+HK$444/mo
Deposit HK$167K · loan HK$1.51M · min. income ≈ HK$14,588/mo (50% DSR)
Upfront cash ≈ HK$167K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,636
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,840
−HK$208/mo
Today · 4.125%
HK$8,048
baseline
▲ 0.50% · 4.625%
HK$8,472
+HK$424/mo
Deposit HK$167K · loan HK$1.51M · min. income ≈ HK$16,096/mo (50% DSR)
Upfront cash ≈ HK$167K (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).