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$4,160
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,289
−HK$131/mo
Today · 4.125%
HK$4,420
baseline
▲ 0.50% · 4.625%
HK$4,689
+HK$269/mo
Deposit HK$912K · loan HK$912K · min. income ≈ HK$8,840/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,627
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,752
−HK$125/mo
Today · 4.125%
HK$4,877
baseline
▲ 0.50% · 4.625%
HK$5,135
+HK$258/mo
Deposit HK$912K · loan HK$912K · min. income ≈ HK$9,754/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,991
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,147
−HK$157/mo
Today · 4.125%
HK$5,304
baseline
▲ 0.50% · 4.625%
HK$5,627
+HK$323/mo
Deposit HK$730K · loan HK$1.09M · min. income ≈ HK$10,608/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,553
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,702
−HK$151/mo
Today · 4.125%
HK$5,853
baseline
▲ 0.50% · 4.625%
HK$6,161
+HK$308/mo
Deposit HK$730K · loan HK$1.09M · min. income ≈ HK$11,706/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,823
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,005
−HK$184/mo
Today · 4.125%
HK$6,189
baseline
▲ 0.50% · 4.625%
HK$6,565
+HK$376/mo
Deposit HK$547K · loan HK$1.28M · min. income ≈ HK$12,378/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,478
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,652
−HK$176/mo
Today · 4.125%
HK$6,828
baseline
▲ 0.50% · 4.625%
HK$7,188
+HK$360/mo
Deposit HK$547K · loan HK$1.28M · min. income ≈ HK$13,656/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,487
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,720
−HK$237/mo
Today · 4.125%
HK$7,957
baseline
▲ 0.50% · 4.625%
HK$8,441
+HK$484/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$15,914/mo (50% DSR)
Upfront cash ≈ HK$183K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,329
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,553
−HK$226/mo
Today · 4.125%
HK$8,779
baseline
▲ 0.50% · 4.625%
HK$9,242
+HK$463/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$17,558/mo (50% DSR)
Upfront cash ≈ HK$183K (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).