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$3,632
−HK$228/mo
▼ 0.25% · 3.875%
HK$3,745
−HK$115/mo
Today · 4.125%
HK$3,860
baseline
▲ 0.50% · 4.625%
HK$4,095
+HK$235/mo
Deposit HK$796K · loan HK$796K · min. income ≈ HK$7,720/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,041
−HK$218/mo
▼ 0.25% · 3.875%
HK$4,149
−HK$110/mo
Today · 4.125%
HK$4,259
baseline
▲ 0.50% · 4.625%
HK$4,484
+HK$225/mo
Deposit HK$796K · loan HK$796K · min. income ≈ HK$8,518/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,359
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,494
−HK$138/mo
Today · 4.125%
HK$4,632
baseline
▲ 0.50% · 4.625%
HK$4,914
+HK$282/mo
Deposit HK$637K · loan HK$956K · min. income ≈ HK$9,264/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,849
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,979
−HK$132/mo
Today · 4.125%
HK$5,111
baseline
▲ 0.50% · 4.625%
HK$5,380
+HK$269/mo
Deposit HK$637K · loan HK$956K · min. income ≈ HK$10,222/mo (50% DSR)
Upfront cash ≈ HK$637K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,085
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,243
−HK$161/mo
Today · 4.125%
HK$5,404
baseline
▲ 0.50% · 4.625%
HK$5,733
+HK$329/mo
Deposit HK$478K · loan HK$1.12M · min. income ≈ HK$10,808/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,657
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,809
−HK$154/mo
Today · 4.125%
HK$5,963
baseline
▲ 0.50% · 4.625%
HK$6,277
+HK$314/mo
Deposit HK$478K · loan HK$1.12M · min. income ≈ HK$11,926/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,538
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,741
−HK$207/mo
Today · 4.125%
HK$6,948
baseline
▲ 0.50% · 4.625%
HK$7,371
+HK$423/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$13,896/mo (50% DSR)
Upfront cash ≈ HK$159K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,273
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,468
−HK$198/mo
Today · 4.125%
HK$7,666
baseline
▲ 0.50% · 4.625%
HK$8,070
+HK$404/mo
Deposit HK$159K · loan HK$1.43M · min. income ≈ HK$15,332/mo (50% DSR)
Upfront cash ≈ HK$159K (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).