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$4,529
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,670
−HK$143/mo
Today · 4.125%
HK$4,813
baseline
▲ 0.50% · 4.625%
HK$5,106
+HK$293/mo
Deposit HK$993K · loan HK$993K · min. income ≈ HK$9,626/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,039
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,174
−HK$137/mo
Today · 4.125%
HK$5,311
baseline
▲ 0.50% · 4.625%
HK$5,591
+HK$280/mo
Deposit HK$993K · loan HK$993K · min. income ≈ HK$10,622/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,435
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,604
−HK$172/mo
Today · 4.125%
HK$5,776
baseline
▲ 0.50% · 4.625%
HK$6,127
+HK$351/mo
Deposit HK$794K · loan HK$1.19M · min. income ≈ HK$11,552/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,046
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,208
−HK$165/mo
Today · 4.125%
HK$6,373
baseline
▲ 0.50% · 4.625%
HK$6,709
+HK$336/mo
Deposit HK$794K · loan HK$1.19M · min. income ≈ HK$12,746/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,341
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,538
−HK$200/mo
Today · 4.125%
HK$6,738
baseline
▲ 0.50% · 4.625%
HK$7,148
+HK$410/mo
Deposit HK$596K · loan HK$1.39M · min. income ≈ HK$13,476/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,054
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,243
−HK$192/mo
Today · 4.125%
HK$7,435
baseline
▲ 0.50% · 4.625%
HK$7,827
+HK$392/mo
Deposit HK$596K · loan HK$1.39M · min. income ≈ HK$14,870/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,152
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,406
−HK$258/mo
Today · 4.125%
HK$8,664
baseline
▲ 0.50% · 4.625%
HK$9,191
+HK$527/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$17,328/mo (50% DSR)
Upfront cash ≈ HK$199K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,069
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,313
−HK$246/mo
Today · 4.125%
HK$9,559
baseline
▲ 0.50% · 4.625%
HK$10,063
+HK$504/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$19,118/mo (50% DSR)
Upfront cash ≈ HK$199K (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).