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$4,144
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,273
−HK$131/mo
Today · 4.125%
HK$4,404
baseline
▲ 0.50% · 4.625%
HK$4,672
+HK$268/mo
Deposit HK$909K · loan HK$909K · min. income ≈ HK$8,808/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$4,610
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,734
−HK$125/mo
Today · 4.125%
HK$4,859
baseline
▲ 0.50% · 4.625%
HK$5,115
+HK$256/mo
Deposit HK$909K · loan HK$909K · min. income ≈ HK$9,718/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$4,973
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,127
−HK$158/mo
Today · 4.125%
HK$5,285
baseline
▲ 0.50% · 4.625%
HK$5,606
+HK$321/mo
Deposit HK$727K · loan HK$1.09M · min. income ≈ HK$10,570/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$5,532
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,681
−HK$150/mo
Today · 4.125%
HK$5,831
baseline
▲ 0.50% · 4.625%
HK$6,138
+HK$307/mo
Deposit HK$727K · loan HK$1.09M · min. income ≈ HK$11,662/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$5,802
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,982
−HK$183/mo
Today · 4.125%
HK$6,165
baseline
▲ 0.50% · 4.625%
HK$6,541
+HK$376/mo
Deposit HK$545K · loan HK$1.27M · min. income ≈ HK$12,330/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$6,454
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,627
−HK$176/mo
Today · 4.125%
HK$6,803
baseline
▲ 0.50% · 4.625%
HK$7,161
+HK$358/mo
Deposit HK$545K · loan HK$1.27M · min. income ≈ HK$13,606/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$7,459
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,691
−HK$236/mo
Today · 4.125%
HK$7,927
baseline
▲ 0.50% · 4.625%
HK$8,409
+HK$482/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$15,854/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$8,298
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,521
−HK$226/mo
Today · 4.125%
HK$8,747
baseline
▲ 0.50% · 4.625%
HK$9,208
+HK$461/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$17,494/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).