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$4,453
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,591
−HK$141/mo
Today · 4.125%
HK$4,732
baseline
▲ 0.50% · 4.625%
HK$5,020
+HK$288/mo
Deposit HK$976K · loan HK$976K · min. income ≈ HK$9,464/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,954
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,087
−HK$135/mo
Today · 4.125%
HK$5,222
baseline
▲ 0.50% · 4.625%
HK$5,497
+HK$275/mo
Deposit HK$976K · loan HK$976K · min. income ≈ HK$10,444/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,344
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,510
−HK$169/mo
Today · 4.125%
HK$5,679
baseline
▲ 0.50% · 4.625%
HK$6,024
+HK$345/mo
Deposit HK$781K · loan HK$1.17M · min. income ≈ HK$11,358/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,945
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,104
−HK$162/mo
Today · 4.125%
HK$6,266
baseline
▲ 0.50% · 4.625%
HK$6,596
+HK$330/mo
Deposit HK$781K · loan HK$1.17M · min. income ≈ HK$12,532/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,234
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,428
−HK$197/mo
Today · 4.125%
HK$6,625
baseline
▲ 0.50% · 4.625%
HK$7,028
+HK$403/mo
Deposit HK$586K · loan HK$1.37M · min. income ≈ HK$13,250/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,935
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,121
−HK$189/mo
Today · 4.125%
HK$7,310
baseline
▲ 0.50% · 4.625%
HK$7,695
+HK$385/mo
Deposit HK$586K · loan HK$1.37M · min. income ≈ HK$14,620/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,015
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,265
−HK$253/mo
Today · 4.125%
HK$8,518
baseline
▲ 0.50% · 4.625%
HK$9,036
+HK$518/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$17,036/mo (50% DSR)
Upfront cash ≈ HK$195K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,917
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,156
−HK$243/mo
Today · 4.125%
HK$9,399
baseline
▲ 0.50% · 4.625%
HK$9,894
+HK$495/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$18,798/mo (50% DSR)
Upfront cash ≈ HK$195K (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).