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$4,123
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,252
−HK$130/mo
Today · 4.125%
HK$4,382
baseline
▲ 0.50% · 4.625%
HK$4,649
+HK$267/mo
Deposit HK$904K · loan HK$904K · min. income ≈ HK$8,764/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,587
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,710
−HK$125/mo
Today · 4.125%
HK$4,835
baseline
▲ 0.50% · 4.625%
HK$5,090
+HK$255/mo
Deposit HK$904K · loan HK$904K · min. income ≈ HK$9,670/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,948
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,102
−HK$156/mo
Today · 4.125%
HK$5,258
baseline
▲ 0.50% · 4.625%
HK$5,578
+HK$320/mo
Deposit HK$723K · loan HK$1.08M · min. income ≈ HK$10,516/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,505
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,652
−HK$150/mo
Today · 4.125%
HK$5,802
baseline
▲ 0.50% · 4.625%
HK$6,108
+HK$306/mo
Deposit HK$723K · loan HK$1.08M · min. income ≈ HK$11,604/mo (50% DSR)
Upfront cash ≈ HK$723K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,773
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,952
−HK$183/mo
Today · 4.125%
HK$6,135
baseline
▲ 0.50% · 4.625%
HK$6,508
+HK$373/mo
Deposit HK$542K · loan HK$1.27M · min. income ≈ HK$12,270/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,422
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,594
−HK$175/mo
Today · 4.125%
HK$6,769
baseline
▲ 0.50% · 4.625%
HK$7,126
+HK$357/mo
Deposit HK$542K · loan HK$1.27M · min. income ≈ HK$13,538/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,422
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,653
−HK$234/mo
Today · 4.125%
HK$7,887
baseline
▲ 0.50% · 4.625%
HK$8,367
+HK$480/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$15,774/mo (50% DSR)
Upfront cash ≈ HK$181K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,257
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,478
−HK$225/mo
Today · 4.125%
HK$8,703
baseline
▲ 0.50% · 4.625%
HK$9,162
+HK$459/mo
Deposit HK$181K · loan HK$1.63M · min. income ≈ HK$17,406/mo (50% DSR)
Upfront cash ≈ HK$181K (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).