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$4,370
−HK$274/mo
▼ 0.25% · 3.875%
HK$4,505
−HK$139/mo
Today · 4.125%
HK$4,644
baseline
▲ 0.50% · 4.625%
HK$4,926
+HK$282/mo
Deposit HK$958K · loan HK$958K · min. income ≈ HK$9,288/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,861
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,991
−HK$133/mo
Today · 4.125%
HK$5,124
baseline
▲ 0.50% · 4.625%
HK$5,394
+HK$270/mo
Deposit HK$958K · loan HK$958K · min. income ≈ HK$10,248/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,243
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,407
−HK$165/mo
Today · 4.125%
HK$5,572
baseline
▲ 0.50% · 4.625%
HK$5,911
+HK$339/mo
Deposit HK$767K · loan HK$1.15M · min. income ≈ HK$11,144/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,833
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,990
−HK$158/mo
Today · 4.125%
HK$6,148
baseline
▲ 0.50% · 4.625%
HK$6,473
+HK$325/mo
Deposit HK$767K · loan HK$1.15M · min. income ≈ HK$12,296/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,117
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,308
−HK$193/mo
Today · 4.125%
HK$6,501
baseline
▲ 0.50% · 4.625%
HK$6,897
+HK$396/mo
Deposit HK$575K · loan HK$1.34M · min. income ≈ HK$13,002/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,806
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,988
−HK$185/mo
Today · 4.125%
HK$7,173
baseline
▲ 0.50% · 4.625%
HK$7,551
+HK$378/mo
Deposit HK$575K · loan HK$1.34M · min. income ≈ HK$14,346/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,865
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,110
−HK$248/mo
Today · 4.125%
HK$8,358
baseline
▲ 0.50% · 4.625%
HK$8,867
+HK$509/mo
Deposit HK$192K · loan HK$1.72M · min. income ≈ HK$16,716/mo (50% DSR)
Upfront cash ≈ HK$192K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,750
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,985
−HK$238/mo
Today · 4.125%
HK$9,223
baseline
▲ 0.50% · 4.625%
HK$9,709
+HK$486/mo
Deposit HK$192K · loan HK$1.72M · min. income ≈ HK$18,446/mo (50% DSR)
Upfront cash ≈ HK$192K (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).