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$4,290
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,424
−HK$135/mo
Today · 4.125%
HK$4,559
baseline
▲ 0.50% · 4.625%
HK$4,837
+HK$278/mo
Deposit HK$941K · loan HK$941K · min. income ≈ HK$9,118/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,773
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,901
−HK$130/mo
Today · 4.125%
HK$5,031
baseline
▲ 0.50% · 4.625%
HK$5,296
+HK$265/mo
Deposit HK$941K · loan HK$941K · min. income ≈ HK$10,062/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,148
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,309
−HK$162/mo
Today · 4.125%
HK$5,471
baseline
▲ 0.50% · 4.625%
HK$5,804
+HK$333/mo
Deposit HK$753K · loan HK$1.13M · min. income ≈ HK$10,942/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,728
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,881
−HK$156/mo
Today · 4.125%
HK$6,037
baseline
▲ 0.50% · 4.625%
HK$6,355
+HK$318/mo
Deposit HK$753K · loan HK$1.13M · min. income ≈ HK$12,074/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,007
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,193
−HK$190/mo
Today · 4.125%
HK$6,383
baseline
▲ 0.50% · 4.625%
HK$6,772
+HK$389/mo
Deposit HK$564K · loan HK$1.32M · min. income ≈ HK$12,766/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,682
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,861
−HK$182/mo
Today · 4.125%
HK$7,043
baseline
▲ 0.50% · 4.625%
HK$7,414
+HK$371/mo
Deposit HK$564K · loan HK$1.32M · min. income ≈ HK$14,086/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,723
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,963
−HK$244/mo
Today · 4.125%
HK$8,207
baseline
▲ 0.50% · 4.625%
HK$8,706
+HK$499/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$16,414/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$8,591
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,822
−HK$234/mo
Today · 4.125%
HK$9,056
baseline
▲ 0.50% · 4.625%
HK$9,533
+HK$477/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$18,112/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).