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$4,409
−HK$277/mo
▼ 0.25% · 3.875%
HK$4,546
−HK$140/mo
Today · 4.125%
HK$4,686
baseline
▲ 0.50% · 4.625%
HK$4,971
+HK$285/mo
Deposit HK$967K · loan HK$967K · min. income ≈ HK$9,372/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,905
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,037
−HK$133/mo
Today · 4.125%
HK$5,170
baseline
▲ 0.50% · 4.625%
HK$5,443
+HK$273/mo
Deposit HK$967K · loan HK$967K · min. income ≈ HK$10,340/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,291
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,456
−HK$167/mo
Today · 4.125%
HK$5,623
baseline
▲ 0.50% · 4.625%
HK$5,965
+HK$342/mo
Deposit HK$773K · loan HK$1.16M · min. income ≈ HK$11,246/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,886
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,044
−HK$160/mo
Today · 4.125%
HK$6,204
baseline
▲ 0.50% · 4.625%
HK$6,531
+HK$327/mo
Deposit HK$773K · loan HK$1.16M · min. income ≈ HK$12,408/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,173
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,365
−HK$195/mo
Today · 4.125%
HK$6,560
baseline
▲ 0.50% · 4.625%
HK$6,959
+HK$399/mo
Deposit HK$580K · loan HK$1.35M · min. income ≈ HK$13,120/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,867
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,051
−HK$187/mo
Today · 4.125%
HK$7,238
baseline
▲ 0.50% · 4.625%
HK$7,620
+HK$382/mo
Deposit HK$580K · loan HK$1.35M · min. income ≈ HK$14,476/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,936
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,183
−HK$251/mo
Today · 4.125%
HK$8,434
baseline
▲ 0.50% · 4.625%
HK$8,947
+HK$513/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$16,868/mo (50% DSR)
Upfront cash ≈ HK$193K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,829
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,066
−HK$240/mo
Today · 4.125%
HK$9,306
baseline
▲ 0.50% · 4.625%
HK$9,797
+HK$491/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$18,612/mo (50% DSR)
Upfront cash ≈ HK$193K (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).