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$4,201
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,332
−HK$132/mo
Today · 4.125%
HK$4,464
baseline
▲ 0.50% · 4.625%
HK$4,736
+HK$272/mo
Deposit HK$921K · loan HK$921K · min. income ≈ HK$8,928/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,674
−HK$252/mo
▼ 0.25% · 3.875%
HK$4,799
−HK$127/mo
Today · 4.125%
HK$4,926
baseline
▲ 0.50% · 4.625%
HK$5,186
+HK$260/mo
Deposit HK$921K · loan HK$921K · min. income ≈ HK$9,852/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,041
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,198
−HK$159/mo
Today · 4.125%
HK$5,357
baseline
▲ 0.50% · 4.625%
HK$5,683
+HK$326/mo
Deposit HK$737K · loan HK$1.11M · min. income ≈ HK$10,714/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,608
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,759
−HK$152/mo
Today · 4.125%
HK$5,911
baseline
▲ 0.50% · 4.625%
HK$6,223
+HK$312/mo
Deposit HK$737K · loan HK$1.11M · min. income ≈ HK$11,822/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,881
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,064
−HK$186/mo
Today · 4.125%
HK$6,250
baseline
▲ 0.50% · 4.625%
HK$6,631
+HK$381/mo
Deposit HK$553K · loan HK$1.29M · min. income ≈ HK$12,500/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,543
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,719
−HK$178/mo
Today · 4.125%
HK$6,897
baseline
▲ 0.50% · 4.625%
HK$7,260
+HK$363/mo
Deposit HK$553K · loan HK$1.29M · min. income ≈ HK$13,794/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,562
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,797
−HK$239/mo
Today · 4.125%
HK$8,036
baseline
▲ 0.50% · 4.625%
HK$8,525
+HK$489/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$16,072/mo (50% DSR)
Upfront cash ≈ HK$184K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,412
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,638
−HK$229/mo
Today · 4.125%
HK$8,867
baseline
▲ 0.50% · 4.625%
HK$9,334
+HK$467/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$17,734/mo (50% DSR)
Upfront cash ≈ HK$184K (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).