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$4,259
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,392
−HK$134/mo
Today · 4.125%
HK$4,526
baseline
▲ 0.50% · 4.625%
HK$4,802
+HK$276/mo
Deposit HK$934K · loan HK$934K · min. income ≈ HK$9,052/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,738
−HK$257/mo
▼ 0.25% · 3.875%
HK$4,866
−HK$129/mo
Today · 4.125%
HK$4,995
baseline
▲ 0.50% · 4.625%
HK$5,258
+HK$263/mo
Deposit HK$934K · loan HK$934K · min. income ≈ HK$9,990/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,111
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,270
−HK$162/mo
Today · 4.125%
HK$5,432
baseline
▲ 0.50% · 4.625%
HK$5,762
+HK$330/mo
Deposit HK$747K · loan HK$1.12M · min. income ≈ HK$10,864/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,686
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,839
−HK$154/mo
Today · 4.125%
HK$5,993
baseline
▲ 0.50% · 4.625%
HK$6,309
+HK$316/mo
Deposit HK$747K · loan HK$1.12M · min. income ≈ HK$11,986/mo (50% DSR)
Upfront cash ≈ HK$747K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,963
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,149
−HK$188/mo
Today · 4.125%
HK$6,337
baseline
▲ 0.50% · 4.625%
HK$6,723
+HK$386/mo
Deposit HK$560K · loan HK$1.31M · min. income ≈ HK$12,674/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,634
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,812
−HK$180/mo
Today · 4.125%
HK$6,992
baseline
▲ 0.50% · 4.625%
HK$7,361
+HK$369/mo
Deposit HK$560K · loan HK$1.31M · min. income ≈ HK$13,984/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,667
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,905
−HK$243/mo
Today · 4.125%
HK$8,148
baseline
▲ 0.50% · 4.625%
HK$8,643
+HK$495/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$16,296/mo (50% DSR)
Upfront cash ≈ HK$187K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,529
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,758
−HK$232/mo
Today · 4.125%
HK$8,990
baseline
▲ 0.50% · 4.625%
HK$9,464
+HK$474/mo
Deposit HK$187K · loan HK$1.68M · min. income ≈ HK$17,980/mo (50% DSR)
Upfront cash ≈ HK$187K (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).