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$4,368
−HK$274/mo
▼ 0.25% · 3.875%
HK$4,504
−HK$138/mo
Today · 4.125%
HK$4,642
baseline
▲ 0.50% · 4.625%
HK$4,924
+HK$282/mo
Deposit HK$958K · loan HK$958K · min. income ≈ HK$9,284/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,859
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,990
−HK$132/mo
Today · 4.125%
HK$5,122
baseline
▲ 0.50% · 4.625%
HK$5,392
+HK$270/mo
Deposit HK$958K · loan HK$958K · min. income ≈ HK$10,244/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,241
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,405
−HK$165/mo
Today · 4.125%
HK$5,570
baseline
▲ 0.50% · 4.625%
HK$5,909
+HK$339/mo
Deposit HK$766K · loan HK$1.15M · min. income ≈ HK$11,140/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,831
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,987
−HK$159/mo
Today · 4.125%
HK$6,146
baseline
▲ 0.50% · 4.625%
HK$6,470
+HK$324/mo
Deposit HK$766K · loan HK$1.15M · min. income ≈ HK$12,292/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,115
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,305
−HK$194/mo
Today · 4.125%
HK$6,499
baseline
▲ 0.50% · 4.625%
HK$6,894
+HK$395/mo
Deposit HK$575K · loan HK$1.34M · min. income ≈ HK$12,998/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,803
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,985
−HK$186/mo
Today · 4.125%
HK$7,171
baseline
▲ 0.50% · 4.625%
HK$7,548
+HK$377/mo
Deposit HK$575K · loan HK$1.34M · min. income ≈ HK$14,342/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,862
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,107
−HK$248/mo
Today · 4.125%
HK$8,355
baseline
▲ 0.50% · 4.625%
HK$8,864
+HK$509/mo
Deposit HK$192K · loan HK$1.72M · min. income ≈ HK$16,710/mo (50% DSR)
Upfront cash ≈ HK$192K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,747
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,981
−HK$238/mo
Today · 4.125%
HK$9,219
baseline
▲ 0.50% · 4.625%
HK$9,705
+HK$486/mo
Deposit HK$192K · loan HK$1.72M · min. income ≈ HK$18,438/mo (50% DSR)
Upfront cash ≈ HK$192K (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).