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$4,331
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,466
−HK$136/mo
Today · 4.125%
HK$4,602
baseline
▲ 0.50% · 4.625%
HK$4,882
+HK$280/mo
Deposit HK$950K · loan HK$950K · min. income ≈ HK$9,204/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,818
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,947
−HK$131/mo
Today · 4.125%
HK$5,078
baseline
▲ 0.50% · 4.625%
HK$5,346
+HK$268/mo
Deposit HK$950K · loan HK$950K · min. income ≈ HK$10,156/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,197
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,359
−HK$164/mo
Today · 4.125%
HK$5,523
baseline
▲ 0.50% · 4.625%
HK$5,859
+HK$336/mo
Deposit HK$760K · loan HK$1.14M · min. income ≈ HK$11,046/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,782
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,937
−HK$157/mo
Today · 4.125%
HK$6,094
baseline
▲ 0.50% · 4.625%
HK$6,415
+HK$321/mo
Deposit HK$760K · loan HK$1.14M · min. income ≈ HK$12,188/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,063
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,252
−HK$191/mo
Today · 4.125%
HK$6,443
baseline
▲ 0.50% · 4.625%
HK$6,835
+HK$392/mo
Deposit HK$570K · loan HK$1.33M · min. income ≈ HK$12,886/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,745
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,926
−HK$184/mo
Today · 4.125%
HK$7,110
baseline
▲ 0.50% · 4.625%
HK$7,484
+HK$374/mo
Deposit HK$570K · loan HK$1.33M · min. income ≈ HK$14,220/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,796
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,038
−HK$246/mo
Today · 4.125%
HK$8,284
baseline
▲ 0.50% · 4.625%
HK$8,788
+HK$504/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$16,568/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$8,672
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,905
−HK$236/mo
Today · 4.125%
HK$9,141
baseline
▲ 0.50% · 4.625%
HK$9,623
+HK$482/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$18,282/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).