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$4,429
−HK$278/mo
▼ 0.25% · 3.875%
HK$4,567
−HK$140/mo
Today · 4.125%
HK$4,707
baseline
▲ 0.50% · 4.625%
HK$4,993
+HK$286/mo
Deposit HK$971K · loan HK$971K · min. income ≈ HK$9,414/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,927
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,060
−HK$134/mo
Today · 4.125%
HK$5,194
baseline
▲ 0.50% · 4.625%
HK$5,467
+HK$273/mo
Deposit HK$971K · loan HK$971K · min. income ≈ HK$10,388/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,315
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,480
−HK$168/mo
Today · 4.125%
HK$5,648
baseline
▲ 0.50% · 4.625%
HK$5,992
+HK$344/mo
Deposit HK$777K · loan HK$1.17M · min. income ≈ HK$11,296/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,913
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,071
−HK$161/mo
Today · 4.125%
HK$6,232
baseline
▲ 0.50% · 4.625%
HK$6,561
+HK$329/mo
Deposit HK$777K · loan HK$1.17M · min. income ≈ HK$12,464/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,201
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,394
−HK$196/mo
Today · 4.125%
HK$6,590
baseline
▲ 0.50% · 4.625%
HK$6,991
+HK$401/mo
Deposit HK$583K · loan HK$1.36M · min. income ≈ HK$13,180/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,898
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,083
−HK$188/mo
Today · 4.125%
HK$7,271
baseline
▲ 0.50% · 4.625%
HK$7,654
+HK$383/mo
Deposit HK$583K · loan HK$1.36M · min. income ≈ HK$14,542/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,973
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,221
−HK$251/mo
Today · 4.125%
HK$8,472
baseline
▲ 0.50% · 4.625%
HK$8,988
+HK$516/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$16,944/mo (50% DSR)
Upfront cash ≈ HK$194K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,869
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,107
−HK$242/mo
Today · 4.125%
HK$9,349
baseline
▲ 0.50% · 4.625%
HK$9,841
+HK$492/mo
Deposit HK$194K · loan HK$1.75M · min. income ≈ HK$18,698/mo (50% DSR)
Upfront cash ≈ HK$194K (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).