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$4,395
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,532
−HK$139/mo
Today · 4.125%
HK$4,671
baseline
▲ 0.50% · 4.625%
HK$4,955
+HK$284/mo
Deposit HK$964K · loan HK$964K · min. income ≈ HK$9,342/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$4,889
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,021
−HK$133/mo
Today · 4.125%
HK$5,154
baseline
▲ 0.50% · 4.625%
HK$5,425
+HK$271/mo
Deposit HK$964K · loan HK$964K · min. income ≈ HK$10,308/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$5,274
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,438
−HK$167/mo
Today · 4.125%
HK$5,605
baseline
▲ 0.50% · 4.625%
HK$5,946
+HK$341/mo
Deposit HK$771K · loan HK$1.16M · min. income ≈ HK$11,210/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$5,867
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,025
−HK$159/mo
Today · 4.125%
HK$6,184
baseline
▲ 0.50% · 4.625%
HK$6,510
+HK$326/mo
Deposit HK$771K · loan HK$1.16M · min. income ≈ HK$12,368/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$6,153
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,345
−HK$194/mo
Today · 4.125%
HK$6,539
baseline
▲ 0.50% · 4.625%
HK$6,937
+HK$398/mo
Deposit HK$578K · loan HK$1.35M · min. income ≈ HK$13,078/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,845
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,029
−HK$186/mo
Today · 4.125%
HK$7,215
baseline
▲ 0.50% · 4.625%
HK$7,595
+HK$380/mo
Deposit HK$578K · loan HK$1.35M · min. income ≈ HK$14,430/mo (50% DSR)
Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,911
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,157
−HK$250/mo
Today · 4.125%
HK$8,407
baseline
▲ 0.50% · 4.625%
HK$8,919
+HK$512/mo
Deposit HK$193K · loan HK$1.73M · min. income ≈ HK$16,814/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$8,801
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,037
−HK$240/mo
Today · 4.125%
HK$9,277
baseline
▲ 0.50% · 4.625%
HK$9,766
+HK$489/mo
Deposit HK$193K · loan HK$1.73M · min. income ≈ HK$18,554/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).