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$4,397
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,534
−HK$139/mo
Today · 4.125%
HK$4,673
baseline
▲ 0.50% · 4.625%
HK$4,958
+HK$285/mo
Deposit HK$964K · loan HK$964K · min. income ≈ HK$9,346/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,892
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,023
−HK$133/mo
Today · 4.125%
HK$5,156
baseline
▲ 0.50% · 4.625%
HK$5,428
+HK$272/mo
Deposit HK$964K · loan HK$964K · min. income ≈ HK$10,312/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,277
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,441
−HK$167/mo
Today · 4.125%
HK$5,608
baseline
▲ 0.50% · 4.625%
HK$5,949
+HK$341/mo
Deposit HK$771K · loan HK$1.16M · min. income ≈ HK$11,216/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,870
−HK$318/mo
▼ 0.25% · 3.875%
HK$6,028
−HK$160/mo
Today · 4.125%
HK$6,188
baseline
▲ 0.50% · 4.625%
HK$6,514
+HK$326/mo
Deposit HK$771K · loan HK$1.16M · min. income ≈ HK$12,376/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,156
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,348
−HK$194/mo
Today · 4.125%
HK$6,542
baseline
▲ 0.50% · 4.625%
HK$6,941
+HK$399/mo
Deposit HK$579K · loan HK$1.35M · min. income ≈ HK$13,084/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,849
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,033
−HK$186/mo
Today · 4.125%
HK$7,219
baseline
▲ 0.50% · 4.625%
HK$7,599
+HK$380/mo
Deposit HK$579K · loan HK$1.35M · min. income ≈ HK$14,438/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,915
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,162
−HK$250/mo
Today · 4.125%
HK$8,412
baseline
▲ 0.50% · 4.625%
HK$8,924
+HK$512/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$16,824/mo (50% DSR)
Upfront cash ≈ HK$193K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,806
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,042
−HK$239/mo
Today · 4.125%
HK$9,281
baseline
▲ 0.50% · 4.625%
HK$9,771
+HK$490/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$18,562/mo (50% DSR)
Upfront cash ≈ HK$193K (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).