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$4,319
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,454
−HK$136/mo
Today · 4.125%
HK$4,590
baseline
▲ 0.50% · 4.625%
HK$4,869
+HK$279/mo
Deposit HK$947K · loan HK$947K · min. income ≈ HK$9,180/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,805
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,934
−HK$131/mo
Today · 4.125%
HK$5,065
baseline
▲ 0.50% · 4.625%
HK$5,332
+HK$267/mo
Deposit HK$947K · loan HK$947K · min. income ≈ HK$10,130/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,183
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,344
−HK$164/mo
Today · 4.125%
HK$5,508
baseline
▲ 0.50% · 4.625%
HK$5,843
+HK$335/mo
Deposit HK$758K · loan HK$1.14M · min. income ≈ HK$11,016/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,766
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,921
−HK$157/mo
Today · 4.125%
HK$6,078
baseline
▲ 0.50% · 4.625%
HK$6,398
+HK$320/mo
Deposit HK$758K · loan HK$1.14M · min. income ≈ HK$12,156/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,047
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,235
−HK$191/mo
Today · 4.125%
HK$6,426
baseline
▲ 0.50% · 4.625%
HK$6,817
+HK$391/mo
Deposit HK$568K · loan HK$1.33M · min. income ≈ HK$12,852/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,727
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,908
−HK$183/mo
Today · 4.125%
HK$7,091
baseline
▲ 0.50% · 4.625%
HK$7,464
+HK$373/mo
Deposit HK$568K · loan HK$1.33M · min. income ≈ HK$14,182/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,775
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,017
−HK$245/mo
Today · 4.125%
HK$8,262
baseline
▲ 0.50% · 4.625%
HK$8,765
+HK$503/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,524/mo (50% DSR)
Upfront cash ≈ HK$190K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,649
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,881
−HK$236/mo
Today · 4.125%
HK$9,117
baseline
▲ 0.50% · 4.625%
HK$9,597
+HK$480/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,234/mo (50% DSR)
Upfront cash ≈ HK$190K (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).