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$4,145
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,274
−HK$131/mo
Today · 4.125%
HK$4,405
baseline
▲ 0.50% · 4.625%
HK$4,673
+HK$268/mo
Deposit HK$909K · loan HK$909K · min. income ≈ HK$8,810/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,612
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,735
−HK$126/mo
Today · 4.125%
HK$4,861
baseline
▲ 0.50% · 4.625%
HK$5,117
+HK$256/mo
Deposit HK$909K · loan HK$909K · min. income ≈ HK$9,722/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,974
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,129
−HK$157/mo
Today · 4.125%
HK$5,286
baseline
▲ 0.50% · 4.625%
HK$5,608
+HK$322/mo
Deposit HK$727K · loan HK$1.09M · min. income ≈ HK$10,572/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,534
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,682
−HK$151/mo
Today · 4.125%
HK$5,833
baseline
▲ 0.50% · 4.625%
HK$6,140
+HK$307/mo
Deposit HK$727K · loan HK$1.09M · min. income ≈ HK$11,666/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,803
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,984
−HK$183/mo
Today · 4.125%
HK$6,167
baseline
▲ 0.50% · 4.625%
HK$6,543
+HK$376/mo
Deposit HK$545K · loan HK$1.27M · min. income ≈ HK$12,334/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,456
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,629
−HK$176/mo
Today · 4.125%
HK$6,805
baseline
▲ 0.50% · 4.625%
HK$7,164
+HK$359/mo
Deposit HK$545K · loan HK$1.27M · min. income ≈ HK$13,610/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,461
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,694
−HK$235/mo
Today · 4.125%
HK$7,929
baseline
▲ 0.50% · 4.625%
HK$8,412
+HK$483/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$15,858/mo (50% DSR)
Upfront cash ≈ HK$182K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,301
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,523
−HK$226/mo
Today · 4.125%
HK$8,749
baseline
▲ 0.50% · 4.625%
HK$9,210
+HK$461/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$17,498/mo (50% DSR)
Upfront cash ≈ HK$182K (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).