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$4,312
−HK$270/mo
▼ 0.25% · 3.875%
HK$4,446
−HK$136/mo
Today · 4.125%
HK$4,582
baseline
▲ 0.50% · 4.625%
HK$4,861
+HK$279/mo
Deposit HK$945K · loan HK$945K · min. income ≈ HK$9,164/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,797
−HK$259/mo
▼ 0.25% · 3.875%
HK$4,925
−HK$131/mo
Today · 4.125%
HK$5,056
baseline
▲ 0.50% · 4.625%
HK$5,322
+HK$266/mo
Deposit HK$945K · loan HK$945K · min. income ≈ HK$10,112/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,174
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,335
−HK$164/mo
Today · 4.125%
HK$5,499
baseline
▲ 0.50% · 4.625%
HK$5,833
+HK$334/mo
Deposit HK$756K · loan HK$1.13M · min. income ≈ HK$10,998/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,756
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,910
−HK$157/mo
Today · 4.125%
HK$6,067
baseline
▲ 0.50% · 4.625%
HK$6,387
+HK$320/mo
Deposit HK$756K · loan HK$1.13M · min. income ≈ HK$12,134/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,036
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,224
−HK$191/mo
Today · 4.125%
HK$6,415
baseline
▲ 0.50% · 4.625%
HK$6,805
+HK$390/mo
Deposit HK$567K · loan HK$1.32M · min. income ≈ HK$12,830/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,715
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,896
−HK$182/mo
Today · 4.125%
HK$7,078
baseline
▲ 0.50% · 4.625%
HK$7,451
+HK$373/mo
Deposit HK$567K · loan HK$1.32M · min. income ≈ HK$14,156/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,761
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,003
−HK$245/mo
Today · 4.125%
HK$8,248
baseline
▲ 0.50% · 4.625%
HK$8,750
+HK$502/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$16,496/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$8,634
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,866
−HK$235/mo
Today · 4.125%
HK$9,101
baseline
▲ 0.50% · 4.625%
HK$9,580
+HK$479/mo
Deposit HK$189K · loan HK$1.70M · min. income ≈ HK$18,202/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).