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$4,329
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,463
−HK$137/mo
Today · 4.125%
HK$4,600
baseline
▲ 0.50% · 4.625%
HK$4,880
+HK$280/mo
Deposit HK$949K · loan HK$949K · min. income ≈ HK$9,200/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,816
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,945
−HK$131/mo
Today · 4.125%
HK$5,076
baseline
▲ 0.50% · 4.625%
HK$5,343
+HK$267/mo
Deposit HK$949K · loan HK$949K · min. income ≈ HK$10,152/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,194
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,356
−HK$164/mo
Today · 4.125%
HK$5,520
baseline
▲ 0.50% · 4.625%
HK$5,856
+HK$336/mo
Deposit HK$759K · loan HK$1.14M · min. income ≈ HK$11,040/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,779
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,934
−HK$157/mo
Today · 4.125%
HK$6,091
baseline
▲ 0.50% · 4.625%
HK$6,412
+HK$321/mo
Deposit HK$759K · loan HK$1.14M · min. income ≈ HK$12,182/mo (50% DSR)
Upfront cash ≈ HK$759K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,060
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,249
−HK$191/mo
Today · 4.125%
HK$6,440
baseline
▲ 0.50% · 4.625%
HK$6,832
+HK$392/mo
Deposit HK$569K · loan HK$1.33M · min. income ≈ HK$12,880/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$6,742
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,923
−HK$183/mo
Today · 4.125%
HK$7,106
baseline
▲ 0.50% · 4.625%
HK$7,481
+HK$375/mo
Deposit HK$569K · loan HK$1.33M · min. income ≈ HK$14,212/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$7,792
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,034
−HK$246/mo
Today · 4.125%
HK$8,280
baseline
▲ 0.50% · 4.625%
HK$8,784
+HK$504/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$16,560/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$8,668
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,900
−HK$236/mo
Today · 4.125%
HK$9,136
baseline
▲ 0.50% · 4.625%
HK$9,618
+HK$482/mo
Deposit HK$190K · loan HK$1.71M · min. income ≈ HK$18,272/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).