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$4,374
−HK$274/mo
▼ 0.25% · 3.875%
HK$4,510
−HK$138/mo
Today · 4.125%
HK$4,648
baseline
▲ 0.50% · 4.625%
HK$4,931
+HK$283/mo
Deposit HK$959K · loan HK$959K · min. income ≈ HK$9,296/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,866
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,996
−HK$132/mo
Today · 4.125%
HK$5,128
baseline
▲ 0.50% · 4.625%
HK$5,399
+HK$271/mo
Deposit HK$959K · loan HK$959K · min. income ≈ HK$10,256/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,248
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,412
−HK$165/mo
Today · 4.125%
HK$5,577
baseline
▲ 0.50% · 4.625%
HK$5,917
+HK$340/mo
Deposit HK$767K · loan HK$1.15M · min. income ≈ HK$11,154/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,839
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,995
−HK$159/mo
Today · 4.125%
HK$6,154
baseline
▲ 0.50% · 4.625%
HK$6,479
+HK$325/mo
Deposit HK$767K · loan HK$1.15M · min. income ≈ HK$12,308/mo (50% DSR)
Upfront cash ≈ HK$767K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,123
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,313
−HK$194/mo
Today · 4.125%
HK$6,507
baseline
▲ 0.50% · 4.625%
HK$6,903
+HK$396/mo
Deposit HK$575K · loan HK$1.34M · min. income ≈ HK$13,014/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,812
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,995
−HK$185/mo
Today · 4.125%
HK$7,180
baseline
▲ 0.50% · 4.625%
HK$7,558
+HK$378/mo
Deposit HK$575K · loan HK$1.34M · min. income ≈ HK$14,360/mo (50% DSR)
Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,872
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,117
−HK$249/mo
Today · 4.125%
HK$8,366
baseline
▲ 0.50% · 4.625%
HK$8,875
+HK$509/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$16,732/mo (50% DSR)
Upfront cash ≈ HK$192K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,758
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,993
−HK$238/mo
Today · 4.125%
HK$9,231
baseline
▲ 0.50% · 4.625%
HK$9,718
+HK$487/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$18,462/mo (50% DSR)
Upfront cash ≈ HK$192K (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).