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$4,077
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,204
−HK$128/mo
Today · 4.125%
HK$4,332
baseline
▲ 0.50% · 4.625%
HK$4,596
+HK$264/mo
Deposit HK$894K · loan HK$894K · min. income ≈ HK$8,664/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,535
−HK$245/mo
▼ 0.25% · 3.875%
HK$4,657
−HK$123/mo
Today · 4.125%
HK$4,780
baseline
▲ 0.50% · 4.625%
HK$5,032
+HK$252/mo
Deposit HK$894K · loan HK$894K · min. income ≈ HK$9,560/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,892
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,044
−HK$155/mo
Today · 4.125%
HK$5,199
baseline
▲ 0.50% · 4.625%
HK$5,515
+HK$316/mo
Deposit HK$715K · loan HK$1.07M · min. income ≈ HK$10,398/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,442
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,588
−HK$148/mo
Today · 4.125%
HK$5,736
baseline
▲ 0.50% · 4.625%
HK$6,039
+HK$303/mo
Deposit HK$715K · loan HK$1.07M · min. income ≈ HK$11,472/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,707
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,885
−HK$180/mo
Today · 4.125%
HK$6,065
baseline
▲ 0.50% · 4.625%
HK$6,434
+HK$369/mo
Deposit HK$536K · loan HK$1.25M · min. income ≈ HK$12,130/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,350
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,520
−HK$173/mo
Today · 4.125%
HK$6,693
baseline
▲ 0.50% · 4.625%
HK$7,045
+HK$352/mo
Deposit HK$536K · loan HK$1.25M · min. income ≈ HK$13,386/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,338
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,566
−HK$232/mo
Today · 4.125%
HK$7,798
baseline
▲ 0.50% · 4.625%
HK$8,273
+HK$475/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$15,596/mo (50% DSR)
Upfront cash ≈ HK$179K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,164
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,383
−HK$222/mo
Today · 4.125%
HK$8,605
baseline
▲ 0.50% · 4.625%
HK$9,058
+HK$453/mo
Deposit HK$179K · loan HK$1.61M · min. income ≈ HK$17,210/mo (50% DSR)
Upfront cash ≈ HK$179K (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).