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$4,158
−HK$261/mo
▼ 0.25% · 3.875%
HK$4,288
−HK$131/mo
Today · 4.125%
HK$4,419
baseline
▲ 0.50% · 4.625%
HK$4,688
+HK$269/mo
Deposit HK$912K · loan HK$912K · min. income ≈ HK$8,838/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,626
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,750
−HK$126/mo
Today · 4.125%
HK$4,876
baseline
▲ 0.50% · 4.625%
HK$5,133
+HK$257/mo
Deposit HK$912K · loan HK$912K · min. income ≈ HK$9,752/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,990
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,145
−HK$158/mo
Today · 4.125%
HK$5,303
baseline
▲ 0.50% · 4.625%
HK$5,626
+HK$323/mo
Deposit HK$729K · loan HK$1.09M · min. income ≈ HK$10,606/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,551
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,700
−HK$151/mo
Today · 4.125%
HK$5,851
baseline
▲ 0.50% · 4.625%
HK$6,160
+HK$309/mo
Deposit HK$729K · loan HK$1.09M · min. income ≈ HK$11,702/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,822
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,003
−HK$184/mo
Today · 4.125%
HK$6,187
baseline
▲ 0.50% · 4.625%
HK$6,563
+HK$376/mo
Deposit HK$547K · loan HK$1.28M · min. income ≈ HK$12,374/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,477
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,650
−HK$176/mo
Today · 4.125%
HK$6,826
baseline
▲ 0.50% · 4.625%
HK$7,186
+HK$360/mo
Deposit HK$547K · loan HK$1.28M · min. income ≈ HK$13,652/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,485
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,718
−HK$236/mo
Today · 4.125%
HK$7,954
baseline
▲ 0.50% · 4.625%
HK$8,438
+HK$484/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$15,908/mo (50% DSR)
Upfront cash ≈ HK$182K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,327
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,550
−HK$227/mo
Today · 4.125%
HK$8,777
baseline
▲ 0.50% · 4.625%
HK$9,240
+HK$463/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$17,554/mo (50% DSR)
Upfront cash ≈ HK$182K (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).