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$4,449
−HK$279/mo
▼ 0.25% · 3.875%
HK$4,587
−HK$141/mo
Today · 4.125%
HK$4,728
baseline
▲ 0.50% · 4.625%
HK$5,016
+HK$288/mo
Deposit HK$976K · loan HK$976K · min. income ≈ HK$9,456/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,949
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,082
−HK$135/mo
Today · 4.125%
HK$5,217
baseline
▲ 0.50% · 4.625%
HK$5,492
+HK$275/mo
Deposit HK$976K · loan HK$976K · min. income ≈ HK$10,434/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,339
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,505
−HK$168/mo
Today · 4.125%
HK$5,673
baseline
▲ 0.50% · 4.625%
HK$6,019
+HK$346/mo
Deposit HK$780K · loan HK$1.17M · min. income ≈ HK$11,346/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,939
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,099
−HK$161/mo
Today · 4.125%
HK$6,260
baseline
▲ 0.50% · 4.625%
HK$6,590
+HK$330/mo
Deposit HK$780K · loan HK$1.17M · min. income ≈ HK$12,520/mo (50% DSR)
Upfront cash ≈ HK$781K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,228
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,422
−HK$197/mo
Today · 4.125%
HK$6,619
baseline
▲ 0.50% · 4.625%
HK$7,022
+HK$403/mo
Deposit HK$585K · loan HK$1.37M · min. income ≈ HK$13,238/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,929
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,115
−HK$188/mo
Today · 4.125%
HK$7,303
baseline
▲ 0.50% · 4.625%
HK$7,688
+HK$385/mo
Deposit HK$585K · loan HK$1.37M · min. income ≈ HK$14,606/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,008
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,257
−HK$253/mo
Today · 4.125%
HK$8,510
baseline
▲ 0.50% · 4.625%
HK$9,028
+HK$518/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$17,020/mo (50% DSR)
Upfront cash ≈ HK$195K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,909
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,148
−HK$242/mo
Today · 4.125%
HK$9,390
baseline
▲ 0.50% · 4.625%
HK$9,885
+HK$495/mo
Deposit HK$195K · loan HK$1.76M · min. income ≈ HK$18,780/mo (50% DSR)
Upfront cash ≈ HK$195K (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).