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$4,361
−HK$274/mo
▼ 0.25% · 3.875%
HK$4,497
−HK$138/mo
Today · 4.125%
HK$4,635
baseline
▲ 0.50% · 4.625%
HK$4,917
+HK$282/mo
Deposit HK$956K · loan HK$956K · min. income ≈ HK$9,270/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,852
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,982
−HK$132/mo
Today · 4.125%
HK$5,114
baseline
▲ 0.50% · 4.625%
HK$5,383
+HK$269/mo
Deposit HK$956K · loan HK$956K · min. income ≈ HK$10,228/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,233
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,396
−HK$166/mo
Today · 4.125%
HK$5,562
baseline
▲ 0.50% · 4.625%
HK$5,900
+HK$338/mo
Deposit HK$765K · loan HK$1.15M · min. income ≈ HK$11,124/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,822
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,978
−HK$159/mo
Today · 4.125%
HK$6,137
baseline
▲ 0.50% · 4.625%
HK$6,460
+HK$323/mo
Deposit HK$765K · loan HK$1.15M · min. income ≈ HK$12,274/mo (50% DSR)
Upfront cash ≈ HK$765K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,106
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,295
−HK$193/mo
Today · 4.125%
HK$6,488
baseline
▲ 0.50% · 4.625%
HK$6,883
+HK$395/mo
Deposit HK$574K · loan HK$1.34M · min. income ≈ HK$12,976/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,792
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,975
−HK$184/mo
Today · 4.125%
HK$7,159
baseline
▲ 0.50% · 4.625%
HK$7,537
+HK$378/mo
Deposit HK$574K · loan HK$1.34M · min. income ≈ HK$14,318/mo (50% DSR)
Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,850
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,094
−HK$248/mo
Today · 4.125%
HK$8,342
baseline
▲ 0.50% · 4.625%
HK$8,850
+HK$508/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$16,684/mo (50% DSR)
Upfront cash ≈ HK$191K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,733
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,967
−HK$238/mo
Today · 4.125%
HK$9,205
baseline
▲ 0.50% · 4.625%
HK$9,690
+HK$485/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$18,410/mo (50% DSR)
Upfront cash ≈ HK$191K (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).