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$4,372
−HK$274/mo
▼ 0.25% · 3.875%
HK$4,508
−HK$138/mo
Today · 4.125%
HK$4,646
baseline
▲ 0.50% · 4.625%
HK$4,929
+HK$283/mo
Deposit HK$959K · loan HK$959K · min. income ≈ HK$9,292/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$4,864
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,994
−HK$132/mo
Today · 4.125%
HK$5,126
baseline
▲ 0.50% · 4.625%
HK$5,397
+HK$271/mo
Deposit HK$959K · loan HK$959K · min. income ≈ HK$10,252/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$5,246
−HK$329/mo
▼ 0.25% · 3.875%
HK$5,409
−HK$166/mo
Today · 4.125%
HK$5,575
baseline
▲ 0.50% · 4.625%
HK$5,914
+HK$339/mo
Deposit HK$767K · loan HK$1.15M · min. income ≈ HK$11,150/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$5,836
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,993
−HK$159/mo
Today · 4.125%
HK$6,152
baseline
▲ 0.50% · 4.625%
HK$6,476
+HK$324/mo
Deposit HK$767K · loan HK$1.15M · min. income ≈ HK$12,304/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$6,121
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,311
−HK$193/mo
Today · 4.125%
HK$6,504
baseline
▲ 0.50% · 4.625%
HK$6,900
+HK$396/mo
Deposit HK$575K · loan HK$1.34M · min. income ≈ HK$13,008/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,809
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,992
−HK$185/mo
Today · 4.125%
HK$7,177
baseline
▲ 0.50% · 4.625%
HK$7,555
+HK$378/mo
Deposit HK$575K · loan HK$1.34M · min. income ≈ HK$14,354/mo (50% DSR)
Upfront cash ≈ HK$575K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,869
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,114
−HK$249/mo
Today · 4.125%
HK$8,363
baseline
▲ 0.50% · 4.625%
HK$8,872
+HK$509/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$16,726/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$8,755
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,989
−HK$239/mo
Today · 4.125%
HK$9,228
baseline
▲ 0.50% · 4.625%
HK$9,714
+HK$486/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$18,456/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).