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$4,537
−HK$285/mo
▼ 0.25% · 3.875%
HK$4,678
−HK$144/mo
Today · 4.125%
HK$4,822
baseline
▲ 0.50% · 4.625%
HK$5,115
+HK$293/mo
Deposit HK$995K · loan HK$995K · min. income ≈ HK$9,644/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,048
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,183
−HK$137/mo
Today · 4.125%
HK$5,320
baseline
▲ 0.50% · 4.625%
HK$5,601
+HK$281/mo
Deposit HK$995K · loan HK$995K · min. income ≈ HK$10,640/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,445
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,614
−HK$172/mo
Today · 4.125%
HK$5,786
baseline
▲ 0.50% · 4.625%
HK$6,138
+HK$352/mo
Deposit HK$796K · loan HK$1.19M · min. income ≈ HK$11,572/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,057
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,220
−HK$164/mo
Today · 4.125%
HK$6,384
baseline
▲ 0.50% · 4.625%
HK$6,721
+HK$337/mo
Deposit HK$796K · loan HK$1.19M · min. income ≈ HK$12,768/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,352
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,550
−HK$201/mo
Today · 4.125%
HK$6,751
baseline
▲ 0.50% · 4.625%
HK$7,161
+HK$410/mo
Deposit HK$597K · loan HK$1.39M · min. income ≈ HK$13,502/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,067
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,256
−HK$193/mo
Today · 4.125%
HK$7,449
baseline
▲ 0.50% · 4.625%
HK$7,841
+HK$392/mo
Deposit HK$597K · loan HK$1.39M · min. income ≈ HK$14,898/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,167
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,421
−HK$258/mo
Today · 4.125%
HK$8,679
baseline
▲ 0.50% · 4.625%
HK$9,207
+HK$528/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$17,358/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$9,086
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,329
−HK$248/mo
Today · 4.125%
HK$9,577
baseline
▲ 0.50% · 4.625%
HK$10,081
+HK$504/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$19,154/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).