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$4,333
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,467
−HK$137/mo
Today · 4.125%
HK$4,604
baseline
▲ 0.50% · 4.625%
HK$4,884
+HK$280/mo
Deposit HK$950K · loan HK$950K · min. income ≈ HK$9,208/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,820
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,949
−HK$131/mo
Today · 4.125%
HK$5,080
baseline
▲ 0.50% · 4.625%
HK$5,348
+HK$268/mo
Deposit HK$950K · loan HK$950K · min. income ≈ HK$10,160/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,199
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,361
−HK$164/mo
Today · 4.125%
HK$5,525
baseline
▲ 0.50% · 4.625%
HK$5,861
+HK$336/mo
Deposit HK$760K · loan HK$1.14M · min. income ≈ HK$11,050/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,784
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,939
−HK$157/mo
Today · 4.125%
HK$6,096
baseline
▲ 0.50% · 4.625%
HK$6,418
+HK$322/mo
Deposit HK$760K · loan HK$1.14M · min. income ≈ HK$12,192/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,066
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,254
−HK$192/mo
Today · 4.125%
HK$6,446
baseline
▲ 0.50% · 4.625%
HK$6,838
+HK$392/mo
Deposit HK$570K · loan HK$1.33M · min. income ≈ HK$12,892/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,748
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,929
−HK$184/mo
Today · 4.125%
HK$7,113
baseline
▲ 0.50% · 4.625%
HK$7,487
+HK$374/mo
Deposit HK$570K · loan HK$1.33M · min. income ≈ HK$14,226/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,799
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,041
−HK$247/mo
Today · 4.125%
HK$8,288
baseline
▲ 0.50% · 4.625%
HK$8,792
+HK$504/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$16,576/mo (50% DSR)
Upfront cash ≈ HK$190K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,676
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,909
−HK$236/mo
Today · 4.125%
HK$9,145
baseline
▲ 0.50% · 4.625%
HK$9,627
+HK$482/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$18,290/mo (50% DSR)
Upfront cash ≈ HK$190K (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).