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$4,318
−HK$271/mo
▼ 0.25% · 3.875%
HK$4,452
−HK$137/mo
Today · 4.125%
HK$4,589
baseline
▲ 0.50% · 4.625%
HK$4,868
+HK$279/mo
Deposit HK$947K · loan HK$947K · min. income ≈ HK$9,178/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,804
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,933
−HK$130/mo
Today · 4.125%
HK$5,063
baseline
▲ 0.50% · 4.625%
HK$5,330
+HK$267/mo
Deposit HK$947K · loan HK$947K · min. income ≈ HK$10,126/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,182
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,343
−HK$163/mo
Today · 4.125%
HK$5,506
baseline
▲ 0.50% · 4.625%
HK$5,842
+HK$336/mo
Deposit HK$757K · loan HK$1.14M · min. income ≈ HK$11,012/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,764
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,919
−HK$157/mo
Today · 4.125%
HK$6,076
baseline
▲ 0.50% · 4.625%
HK$6,396
+HK$320/mo
Deposit HK$757K · loan HK$1.14M · min. income ≈ HK$12,152/mo (50% DSR)
Upfront cash ≈ HK$758K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,045
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,233
−HK$191/mo
Today · 4.125%
HK$6,424
baseline
▲ 0.50% · 4.625%
HK$6,815
+HK$391/mo
Deposit HK$568K · loan HK$1.33M · min. income ≈ HK$12,848/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,725
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,906
−HK$183/mo
Today · 4.125%
HK$7,089
baseline
▲ 0.50% · 4.625%
HK$7,462
+HK$373/mo
Deposit HK$568K · loan HK$1.33M · min. income ≈ HK$14,178/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,772
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,014
−HK$246/mo
Today · 4.125%
HK$8,260
baseline
▲ 0.50% · 4.625%
HK$8,762
+HK$502/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,520/mo (50% DSR)
Upfront cash ≈ HK$189K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,647
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,879
−HK$235/mo
Today · 4.125%
HK$9,114
baseline
▲ 0.50% · 4.625%
HK$9,594
+HK$480/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,228/mo (50% DSR)
Upfront cash ≈ HK$189K (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).