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$4,217
−HK$265/mo
▼ 0.25% · 3.875%
HK$4,349
−HK$133/mo
Today · 4.125%
HK$4,482
baseline
▲ 0.50% · 4.625%
HK$4,755
+HK$273/mo
Deposit HK$925K · loan HK$925K · min. income ≈ HK$8,964/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,692
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,818
−HK$127/mo
Today · 4.125%
HK$4,945
baseline
▲ 0.50% · 4.625%
HK$5,206
+HK$261/mo
Deposit HK$925K · loan HK$925K · min. income ≈ HK$9,890/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,061
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,218
−HK$160/mo
Today · 4.125%
HK$5,378
baseline
▲ 0.50% · 4.625%
HK$5,705
+HK$327/mo
Deposit HK$740K · loan HK$1.11M · min. income ≈ HK$10,756/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,630
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,781
−HK$153/mo
Today · 4.125%
HK$5,934
baseline
▲ 0.50% · 4.625%
HK$6,247
+HK$313/mo
Deposit HK$740K · loan HK$1.11M · min. income ≈ HK$11,868/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,904
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,088
−HK$187/mo
Today · 4.125%
HK$6,275
baseline
▲ 0.50% · 4.625%
HK$6,656
+HK$381/mo
Deposit HK$555K · loan HK$1.29M · min. income ≈ HK$12,550/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,568
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,745
−HK$178/mo
Today · 4.125%
HK$6,923
baseline
▲ 0.50% · 4.625%
HK$7,288
+HK$365/mo
Deposit HK$555K · loan HK$1.29M · min. income ≈ HK$13,846/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,591
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,827
−HK$240/mo
Today · 4.125%
HK$8,067
baseline
▲ 0.50% · 4.625%
HK$8,558
+HK$491/mo
Deposit HK$185K · loan HK$1.66M · min. income ≈ HK$16,134/mo (50% DSR)
Upfront cash ≈ HK$185K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,445
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,672
−HK$229/mo
Today · 4.125%
HK$8,901
baseline
▲ 0.50% · 4.625%
HK$9,371
+HK$470/mo
Deposit HK$185K · loan HK$1.66M · min. income ≈ HK$17,802/mo (50% DSR)
Upfront cash ≈ HK$185K (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).