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$4,068
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,195
−HK$128/mo
Today · 4.125%
HK$4,323
baseline
▲ 0.50% · 4.625%
HK$4,586
+HK$263/mo
Deposit HK$892K · loan HK$892K · min. income ≈ HK$8,646/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,526
−HK$244/mo
▼ 0.25% · 3.875%
HK$4,647
−HK$123/mo
Today · 4.125%
HK$4,770
baseline
▲ 0.50% · 4.625%
HK$5,022
+HK$252/mo
Deposit HK$892K · loan HK$892K · min. income ≈ HK$9,540/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,882
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,034
−HK$154/mo
Today · 4.125%
HK$5,188
baseline
▲ 0.50% · 4.625%
HK$5,504
+HK$316/mo
Deposit HK$714K · loan HK$1.07M · min. income ≈ HK$10,376/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$5,431
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,577
−HK$148/mo
Today · 4.125%
HK$5,725
baseline
▲ 0.50% · 4.625%
HK$6,026
+HK$301/mo
Deposit HK$714K · loan HK$1.07M · min. income ≈ HK$11,450/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$5,696
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,873
−HK$180/mo
Today · 4.125%
HK$6,053
baseline
▲ 0.50% · 4.625%
HK$6,421
+HK$368/mo
Deposit HK$535K · loan HK$1.25M · min. income ≈ HK$12,106/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,336
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,506
−HK$173/mo
Today · 4.125%
HK$6,679
baseline
▲ 0.50% · 4.625%
HK$7,031
+HK$352/mo
Deposit HK$535K · loan HK$1.25M · min. income ≈ HK$13,358/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,323
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,551
−HK$231/mo
Today · 4.125%
HK$7,782
baseline
▲ 0.50% · 4.625%
HK$8,256
+HK$474/mo
Deposit HK$178K · loan HK$1.61M · min. income ≈ HK$15,564/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$8,147
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,365
−HK$222/mo
Today · 4.125%
HK$8,587
baseline
▲ 0.50% · 4.625%
HK$9,039
+HK$452/mo
Deposit HK$178K · loan HK$1.61M · min. income ≈ HK$17,174/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).