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$4,209
−HK$264/mo
▼ 0.25% · 3.875%
HK$4,340
−HK$133/mo
Today · 4.125%
HK$4,473
baseline
▲ 0.50% · 4.625%
HK$4,745
+HK$272/mo
Deposit HK$923K · loan HK$923K · min. income ≈ HK$8,946/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,682
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,808
−HK$127/mo
Today · 4.125%
HK$4,935
baseline
▲ 0.50% · 4.625%
HK$5,195
+HK$260/mo
Deposit HK$923K · loan HK$923K · min. income ≈ HK$9,870/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,051
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,208
−HK$159/mo
Today · 4.125%
HK$5,367
baseline
▲ 0.50% · 4.625%
HK$5,694
+HK$327/mo
Deposit HK$738K · loan HK$1.11M · min. income ≈ HK$10,734/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,619
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,769
−HK$153/mo
Today · 4.125%
HK$5,922
baseline
▲ 0.50% · 4.625%
HK$6,235
+HK$313/mo
Deposit HK$738K · loan HK$1.11M · min. income ≈ HK$11,844/mo (50% DSR)
Upfront cash ≈ HK$738K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,892
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,076
−HK$186/mo
Today · 4.125%
HK$6,262
baseline
▲ 0.50% · 4.625%
HK$6,643
+HK$381/mo
Deposit HK$554K · loan HK$1.29M · min. income ≈ HK$12,524/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,555
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,731
−HK$178/mo
Today · 4.125%
HK$6,909
baseline
▲ 0.50% · 4.625%
HK$7,274
+HK$365/mo
Deposit HK$554K · loan HK$1.29M · min. income ≈ HK$13,818/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,576
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,812
−HK$239/mo
Today · 4.125%
HK$8,051
baseline
▲ 0.50% · 4.625%
HK$8,541
+HK$490/mo
Deposit HK$185K · loan HK$1.66M · min. income ≈ HK$16,102/mo (50% DSR)
Upfront cash ≈ HK$185K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,428
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,654
−HK$230/mo
Today · 4.125%
HK$8,884
baseline
▲ 0.50% · 4.625%
HK$9,352
+HK$468/mo
Deposit HK$185K · loan HK$1.66M · min. income ≈ HK$17,768/mo (50% DSR)
Upfront cash ≈ HK$185K (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).