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$4,274
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,407
−HK$135/mo
Today · 4.125%
HK$4,542
baseline
▲ 0.50% · 4.625%
HK$4,819
+HK$277/mo
Deposit HK$937K · loan HK$937K · min. income ≈ HK$9,084/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,755
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,883
−HK$129/mo
Today · 4.125%
HK$5,012
baseline
▲ 0.50% · 4.625%
HK$5,276
+HK$264/mo
Deposit HK$937K · loan HK$937K · min. income ≈ HK$10,024/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,129
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,289
−HK$162/mo
Today · 4.125%
HK$5,451
baseline
▲ 0.50% · 4.625%
HK$5,782
+HK$331/mo
Deposit HK$750K · loan HK$1.12M · min. income ≈ HK$10,902/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,706
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,859
−HK$155/mo
Today · 4.125%
HK$6,014
baseline
▲ 0.50% · 4.625%
HK$6,331
+HK$317/mo
Deposit HK$750K · loan HK$1.12M · min. income ≈ HK$12,028/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,984
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,170
−HK$189/mo
Today · 4.125%
HK$6,359
baseline
▲ 0.50% · 4.625%
HK$6,746
+HK$387/mo
Deposit HK$562K · loan HK$1.31M · min. income ≈ HK$12,718/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,657
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,836
−HK$181/mo
Today · 4.125%
HK$7,017
baseline
▲ 0.50% · 4.625%
HK$7,387
+HK$370/mo
Deposit HK$562K · loan HK$1.31M · min. income ≈ HK$14,034/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,694
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,933
−HK$243/mo
Today · 4.125%
HK$8,176
baseline
▲ 0.50% · 4.625%
HK$8,674
+HK$498/mo
Deposit HK$187K · loan HK$1.69M · min. income ≈ HK$16,352/mo (50% DSR)
Upfront cash ≈ HK$188K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,559
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,789
−HK$232/mo
Today · 4.125%
HK$9,021
baseline
▲ 0.50% · 4.625%
HK$9,497
+HK$476/mo
Deposit HK$187K · loan HK$1.69M · min. income ≈ HK$18,042/mo (50% DSR)
Upfront cash ≈ HK$188K (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).