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$3,522
−HK$221/mo
▼ 0.25% · 3.875%
HK$3,631
−HK$112/mo
Today · 4.125%
HK$3,743
baseline
▲ 0.50% · 4.625%
HK$3,970
+HK$227/mo
Deposit HK$772K · loan HK$772K · min. income ≈ HK$7,486/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,918
−HK$212/mo
▼ 0.25% · 3.875%
HK$4,023
−HK$107/mo
Today · 4.125%
HK$4,130
baseline
▲ 0.50% · 4.625%
HK$4,347
+HK$217/mo
Deposit HK$772K · loan HK$772K · min. income ≈ HK$8,260/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,226
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,358
−HK$133/mo
Today · 4.125%
HK$4,491
baseline
▲ 0.50% · 4.625%
HK$4,765
+HK$274/mo
Deposit HK$618K · loan HK$927K · min. income ≈ HK$8,982/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,702
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,828
−HK$128/mo
Today · 4.125%
HK$4,956
baseline
▲ 0.50% · 4.625%
HK$5,217
+HK$261/mo
Deposit HK$618K · loan HK$927K · min. income ≈ HK$9,912/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,931
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,084
−HK$156/mo
Today · 4.125%
HK$5,240
baseline
▲ 0.50% · 4.625%
HK$5,559
+HK$319/mo
Deposit HK$463K · loan HK$1.08M · min. income ≈ HK$10,480/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,485
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,632
−HK$150/mo
Today · 4.125%
HK$5,782
baseline
▲ 0.50% · 4.625%
HK$6,086
+HK$304/mo
Deposit HK$463K · loan HK$1.08M · min. income ≈ HK$11,564/mo (50% DSR)
Upfront cash ≈ HK$463K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,339
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,537
−HK$200/mo
Today · 4.125%
HK$6,737
baseline
▲ 0.50% · 4.625%
HK$7,147
+HK$410/mo
Deposit HK$154K · loan HK$1.39M · min. income ≈ HK$13,474/mo (50% DSR)
Upfront cash ≈ HK$155K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,052
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,242
−HK$192/mo
Today · 4.125%
HK$7,434
baseline
▲ 0.50% · 4.625%
HK$7,825
+HK$391/mo
Deposit HK$154K · loan HK$1.39M · min. income ≈ HK$14,868/mo (50% DSR)
Upfront cash ≈ HK$155K (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).