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$4,271
−HK$268/mo
▼ 0.25% · 3.875%
HK$4,404
−HK$135/mo
Today · 4.125%
HK$4,539
baseline
▲ 0.50% · 4.625%
HK$4,816
+HK$277/mo
Deposit HK$937K · loan HK$937K · min. income ≈ HK$9,078/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$4,752
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,879
−HK$130/mo
Today · 4.125%
HK$5,009
baseline
▲ 0.50% · 4.625%
HK$5,273
+HK$264/mo
Deposit HK$937K · loan HK$937K · min. income ≈ HK$10,018/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$5,126
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,285
−HK$162/mo
Today · 4.125%
HK$5,447
baseline
▲ 0.50% · 4.625%
HK$5,779
+HK$332/mo
Deposit HK$749K · loan HK$1.12M · min. income ≈ HK$10,894/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,702
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,855
−HK$155/mo
Today · 4.125%
HK$6,010
baseline
▲ 0.50% · 4.625%
HK$6,327
+HK$317/mo
Deposit HK$749K · loan HK$1.12M · min. income ≈ HK$12,020/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,980
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,166
−HK$189/mo
Today · 4.125%
HK$6,355
baseline
▲ 0.50% · 4.625%
HK$6,742
+HK$387/mo
Deposit HK$562K · loan HK$1.31M · min. income ≈ HK$12,710/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$6,653
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,831
−HK$181/mo
Today · 4.125%
HK$7,012
baseline
▲ 0.50% · 4.625%
HK$7,382
+HK$370/mo
Deposit HK$562K · loan HK$1.31M · min. income ≈ HK$14,024/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$7,689
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,928
−HK$243/mo
Today · 4.125%
HK$8,171
baseline
▲ 0.50% · 4.625%
HK$8,668
+HK$497/mo
Deposit HK$187K · loan HK$1.69M · min. income ≈ HK$16,342/mo (50% DSR)
Upfront cash ≈ HK$187K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,553
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,783
−HK$233/mo
Today · 4.125%
HK$9,016
baseline
▲ 0.50% · 4.625%
HK$9,491
+HK$475/mo
Deposit HK$187K · loan HK$1.69M · min. income ≈ HK$18,032/mo (50% DSR)
Upfront cash ≈ HK$187K (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).