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$4,277
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,410
−HK$136/mo
Today · 4.125%
HK$4,546
baseline
▲ 0.50% · 4.625%
HK$4,822
+HK$276/mo
Deposit HK$938K · loan HK$938K · min. income ≈ HK$9,092/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,758
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,886
−HK$130/mo
Today · 4.125%
HK$5,016
baseline
▲ 0.50% · 4.625%
HK$5,280
+HK$264/mo
Deposit HK$938K · loan HK$938K · min. income ≈ HK$10,032/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,133
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,292
−HK$163/mo
Today · 4.125%
HK$5,455
baseline
▲ 0.50% · 4.625%
HK$5,787
+HK$332/mo
Deposit HK$750K · loan HK$1.13M · min. income ≈ HK$10,910/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,710
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,863
−HK$156/mo
Today · 4.125%
HK$6,019
baseline
▲ 0.50% · 4.625%
HK$6,336
+HK$317/mo
Deposit HK$750K · loan HK$1.13M · min. income ≈ HK$12,038/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,988
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,174
−HK$190/mo
Today · 4.125%
HK$6,364
baseline
▲ 0.50% · 4.625%
HK$6,751
+HK$387/mo
Deposit HK$563K · loan HK$1.31M · min. income ≈ HK$12,728/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,662
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,840
−HK$182/mo
Today · 4.125%
HK$7,022
baseline
▲ 0.50% · 4.625%
HK$7,392
+HK$370/mo
Deposit HK$563K · loan HK$1.31M · min. income ≈ HK$14,044/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,699
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,939
−HK$243/mo
Today · 4.125%
HK$8,182
baseline
▲ 0.50% · 4.625%
HK$8,680
+HK$498/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$16,364/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$8,565
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,795
−HK$233/mo
Today · 4.125%
HK$9,028
baseline
▲ 0.50% · 4.625%
HK$9,504
+HK$476/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$18,056/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).