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$4,337
−HK$272/mo
▼ 0.25% · 3.875%
HK$4,472
−HK$137/mo
Today · 4.125%
HK$4,609
baseline
▲ 0.50% · 4.625%
HK$4,890
+HK$281/mo
Deposit HK$951K · loan HK$951K · min. income ≈ HK$9,218/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,825
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,954
−HK$132/mo
Today · 4.125%
HK$5,086
baseline
▲ 0.50% · 4.625%
HK$5,354
+HK$268/mo
Deposit HK$951K · loan HK$951K · min. income ≈ HK$10,172/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,205
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,366
−HK$165/mo
Today · 4.125%
HK$5,531
baseline
▲ 0.50% · 4.625%
HK$5,868
+HK$337/mo
Deposit HK$761K · loan HK$1.14M · min. income ≈ HK$11,062/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,790
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,945
−HK$158/mo
Today · 4.125%
HK$6,103
baseline
▲ 0.50% · 4.625%
HK$6,425
+HK$322/mo
Deposit HK$761K · loan HK$1.14M · min. income ≈ HK$12,206/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,072
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,261
−HK$192/mo
Today · 4.125%
HK$6,453
baseline
▲ 0.50% · 4.625%
HK$6,845
+HK$392/mo
Deposit HK$571K · loan HK$1.33M · min. income ≈ HK$12,906/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,755
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,936
−HK$184/mo
Today · 4.125%
HK$7,120
baseline
▲ 0.50% · 4.625%
HK$7,495
+HK$375/mo
Deposit HK$571K · loan HK$1.33M · min. income ≈ HK$14,240/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,807
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,050
−HK$246/mo
Today · 4.125%
HK$8,296
baseline
▲ 0.50% · 4.625%
HK$8,801
+HK$505/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$16,592/mo (50% DSR)
Upfront cash ≈ HK$190K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,685
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,918
−HK$236/mo
Today · 4.125%
HK$9,154
baseline
▲ 0.50% · 4.625%
HK$9,637
+HK$483/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$18,308/mo (50% DSR)
Upfront cash ≈ HK$190K (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).