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$4,405
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,542
−HK$139/mo
Today · 4.125%
HK$4,681
baseline
▲ 0.50% · 4.625%
HK$4,966
+HK$285/mo
Deposit HK$966K · loan HK$966K · min. income ≈ HK$9,362/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,900
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,032
−HK$133/mo
Today · 4.125%
HK$5,165
baseline
▲ 0.50% · 4.625%
HK$5,437
+HK$272/mo
Deposit HK$966K · loan HK$966K · min. income ≈ HK$10,330/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,286
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,450
−HK$167/mo
Today · 4.125%
HK$5,617
baseline
▲ 0.50% · 4.625%
HK$5,959
+HK$342/mo
Deposit HK$773K · loan HK$1.16M · min. income ≈ HK$11,234/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,880
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,038
−HK$160/mo
Today · 4.125%
HK$6,198
baseline
▲ 0.50% · 4.625%
HK$6,525
+HK$327/mo
Deposit HK$773K · loan HK$1.16M · min. income ≈ HK$12,396/mo (50% DSR)
Upfront cash ≈ HK$773K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,166
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,358
−HK$195/mo
Today · 4.125%
HK$6,553
baseline
▲ 0.50% · 4.625%
HK$6,952
+HK$399/mo
Deposit HK$579K · loan HK$1.35M · min. income ≈ HK$13,106/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$6,860
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,044
−HK$187/mo
Today · 4.125%
HK$7,231
baseline
▲ 0.50% · 4.625%
HK$7,612
+HK$381/mo
Deposit HK$579K · loan HK$1.35M · min. income ≈ HK$14,462/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$7,928
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,175
−HK$251/mo
Today · 4.125%
HK$8,426
baseline
▲ 0.50% · 4.625%
HK$8,938
+HK$512/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$16,852/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$8,820
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,057
−HK$240/mo
Today · 4.125%
HK$9,297
baseline
▲ 0.50% · 4.625%
HK$9,787
+HK$490/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$18,594/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).