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$4,480
−HK$281/mo
▼ 0.25% · 3.875%
HK$4,619
−HK$142/mo
Today · 4.125%
HK$4,761
baseline
▲ 0.50% · 4.625%
HK$5,050
+HK$289/mo
Deposit HK$982K · loan HK$982K · min. income ≈ HK$9,522/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,984
−HK$269/mo
▼ 0.25% · 3.875%
HK$5,117
−HK$136/mo
Today · 4.125%
HK$5,253
baseline
▲ 0.50% · 4.625%
HK$5,530
+HK$277/mo
Deposit HK$982K · loan HK$982K · min. income ≈ HK$10,506/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,376
−HK$337/mo
▼ 0.25% · 3.875%
HK$5,543
−HK$170/mo
Today · 4.125%
HK$5,713
baseline
▲ 0.50% · 4.625%
HK$6,060
+HK$347/mo
Deposit HK$786K · loan HK$1.18M · min. income ≈ HK$11,426/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,980
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,141
−HK$162/mo
Today · 4.125%
HK$6,303
baseline
▲ 0.50% · 4.625%
HK$6,636
+HK$333/mo
Deposit HK$786K · loan HK$1.18M · min. income ≈ HK$12,606/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,272
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,467
−HK$198/mo
Today · 4.125%
HK$6,665
baseline
▲ 0.50% · 4.625%
HK$7,070
+HK$405/mo
Deposit HK$589K · loan HK$1.38M · min. income ≈ HK$13,330/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,977
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,164
−HK$190/mo
Today · 4.125%
HK$7,354
baseline
▲ 0.50% · 4.625%
HK$7,742
+HK$388/mo
Deposit HK$589K · loan HK$1.38M · min. income ≈ HK$14,708/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,063
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,314
−HK$255/mo
Today · 4.125%
HK$8,569
baseline
▲ 0.50% · 4.625%
HK$9,090
+HK$521/mo
Deposit HK$196K · loan HK$1.77M · min. income ≈ HK$17,138/mo (50% DSR)
Upfront cash ≈ HK$197K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,970
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,211
−HK$244/mo
Today · 4.125%
HK$9,455
baseline
▲ 0.50% · 4.625%
HK$9,953
+HK$498/mo
Deposit HK$196K · loan HK$1.77M · min. income ≈ HK$18,910/mo (50% DSR)
Upfront cash ≈ HK$197K (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).