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$3,572
−HK$223/mo
▼ 0.25% · 3.875%
HK$3,683
−HK$112/mo
Today · 4.125%
HK$3,795
baseline
▲ 0.50% · 4.625%
HK$4,026
+HK$231/mo
Deposit HK$783K · loan HK$783K · min. income ≈ HK$7,590/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,973
−HK$215/mo
▼ 0.25% · 3.875%
HK$4,080
−HK$108/mo
Today · 4.125%
HK$4,188
baseline
▲ 0.50% · 4.625%
HK$4,409
+HK$221/mo
Deposit HK$783K · loan HK$783K · min. income ≈ HK$8,376/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,286
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,419
−HK$136/mo
Today · 4.125%
HK$4,555
baseline
▲ 0.50% · 4.625%
HK$4,832
+HK$277/mo
Deposit HK$627K · loan HK$940K · min. income ≈ HK$9,110/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,768
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,896
−HK$130/mo
Today · 4.125%
HK$5,026
baseline
▲ 0.50% · 4.625%
HK$5,290
+HK$264/mo
Deposit HK$627K · loan HK$940K · min. income ≈ HK$10,052/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,000
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,156
−HK$158/mo
Today · 4.125%
HK$5,314
baseline
▲ 0.50% · 4.625%
HK$5,637
+HK$323/mo
Deposit HK$470K · loan HK$1.10M · min. income ≈ HK$10,628/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,563
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,712
−HK$151/mo
Today · 4.125%
HK$5,863
baseline
▲ 0.50% · 4.625%
HK$6,172
+HK$309/mo
Deposit HK$470K · loan HK$1.10M · min. income ≈ HK$11,726/mo (50% DSR)
Upfront cash ≈ HK$470K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,429
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,629
−HK$203/mo
Today · 4.125%
HK$6,832
baseline
▲ 0.50% · 4.625%
HK$7,248
+HK$416/mo
Deposit HK$157K · loan HK$1.41M · min. income ≈ HK$13,664/mo (50% DSR)
Upfront cash ≈ HK$157K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,152
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,344
−HK$194/mo
Today · 4.125%
HK$7,538
baseline
▲ 0.50% · 4.625%
HK$7,936
+HK$398/mo
Deposit HK$157K · loan HK$1.41M · min. income ≈ HK$15,076/mo (50% DSR)
Upfront cash ≈ HK$157K (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).