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$4,199
−HK$263/mo
▼ 0.25% · 3.875%
HK$4,330
−HK$132/mo
Today · 4.125%
HK$4,462
baseline
▲ 0.50% · 4.625%
HK$4,734
+HK$272/mo
Deposit HK$921K · loan HK$921K · min. income ≈ HK$8,924/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,671
−HK$253/mo
▼ 0.25% · 3.875%
HK$4,797
−HK$127/mo
Today · 4.125%
HK$4,924
baseline
▲ 0.50% · 4.625%
HK$5,183
+HK$259/mo
Deposit HK$921K · loan HK$921K · min. income ≈ HK$9,848/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,039
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,196
−HK$159/mo
Today · 4.125%
HK$5,355
baseline
▲ 0.50% · 4.625%
HK$5,681
+HK$326/mo
Deposit HK$737K · loan HK$1.10M · min. income ≈ HK$10,710/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,606
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,756
−HK$152/mo
Today · 4.125%
HK$5,908
baseline
▲ 0.50% · 4.625%
HK$6,220
+HK$312/mo
Deposit HK$737K · loan HK$1.10M · min. income ≈ HK$11,816/mo (50% DSR)
Upfront cash ≈ HK$737K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,879
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,061
−HK$186/mo
Today · 4.125%
HK$6,247
baseline
▲ 0.50% · 4.625%
HK$6,627
+HK$380/mo
Deposit HK$552K · loan HK$1.29M · min. income ≈ HK$12,494/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,540
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,715
−HK$178/mo
Today · 4.125%
HK$6,893
baseline
▲ 0.50% · 4.625%
HK$7,257
+HK$364/mo
Deposit HK$552K · loan HK$1.29M · min. income ≈ HK$13,786/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,558
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,793
−HK$239/mo
Today · 4.125%
HK$8,032
baseline
▲ 0.50% · 4.625%
HK$8,521
+HK$489/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$16,064/mo (50% DSR)
Upfront cash ≈ HK$184K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,408
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,634
−HK$229/mo
Today · 4.125%
HK$8,863
baseline
▲ 0.50% · 4.625%
HK$9,330
+HK$467/mo
Deposit HK$184K · loan HK$1.66M · min. income ≈ HK$17,726/mo (50% DSR)
Upfront cash ≈ HK$184K (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).