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$4,336
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,471
−HK$137/mo
Today · 4.125%
HK$4,608
baseline
▲ 0.50% · 4.625%
HK$4,889
+HK$281/mo
Deposit HK$951K · loan HK$951K · min. income ≈ HK$9,216/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,824
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,953
−HK$132/mo
Today · 4.125%
HK$5,085
baseline
▲ 0.50% · 4.625%
HK$5,353
+HK$268/mo
Deposit HK$951K · loan HK$951K · min. income ≈ HK$10,170/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,203
−HK$327/mo
▼ 0.25% · 3.875%
HK$5,365
−HK$165/mo
Today · 4.125%
HK$5,530
baseline
▲ 0.50% · 4.625%
HK$5,866
+HK$336/mo
Deposit HK$761K · loan HK$1.14M · min. income ≈ HK$11,060/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,789
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,944
−HK$158/mo
Today · 4.125%
HK$6,102
baseline
▲ 0.50% · 4.625%
HK$6,423
+HK$321/mo
Deposit HK$761K · loan HK$1.14M · min. income ≈ HK$12,204/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,071
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,260
−HK$191/mo
Today · 4.125%
HK$6,451
baseline
▲ 0.50% · 4.625%
HK$6,844
+HK$393/mo
Deposit HK$570K · loan HK$1.33M · min. income ≈ HK$12,902/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,754
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,935
−HK$183/mo
Today · 4.125%
HK$7,118
baseline
▲ 0.50% · 4.625%
HK$7,494
+HK$376/mo
Deposit HK$570K · loan HK$1.33M · min. income ≈ HK$14,236/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,805
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,048
−HK$247/mo
Today · 4.125%
HK$8,295
baseline
▲ 0.50% · 4.625%
HK$8,799
+HK$504/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$16,590/mo (50% DSR)
Upfront cash ≈ HK$190K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,683
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,916
−HK$236/mo
Today · 4.125%
HK$9,152
baseline
▲ 0.50% · 4.625%
HK$9,635
+HK$483/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$18,304/mo (50% DSR)
Upfront cash ≈ HK$190K (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).