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$4,292
−HK$269/mo
▼ 0.25% · 3.875%
HK$4,425
−HK$136/mo
Today · 4.125%
HK$4,561
baseline
▲ 0.50% · 4.625%
HK$4,838
+HK$277/mo
Deposit HK$941K · loan HK$941K · min. income ≈ HK$9,122/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,774
−HK$258/mo
▼ 0.25% · 3.875%
HK$4,902
−HK$130/mo
Today · 4.125%
HK$5,032
baseline
▲ 0.50% · 4.625%
HK$5,298
+HK$266/mo
Deposit HK$941K · loan HK$941K · min. income ≈ HK$10,064/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,150
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,310
−HK$163/mo
Today · 4.125%
HK$5,473
baseline
▲ 0.50% · 4.625%
HK$5,806
+HK$333/mo
Deposit HK$753K · loan HK$1.13M · min. income ≈ HK$10,946/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,729
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,883
−HK$156/mo
Today · 4.125%
HK$6,039
baseline
▲ 0.50% · 4.625%
HK$6,357
+HK$318/mo
Deposit HK$753K · loan HK$1.13M · min. income ≈ HK$12,078/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,008
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,195
−HK$190/mo
Today · 4.125%
HK$6,385
baseline
▲ 0.50% · 4.625%
HK$6,774
+HK$389/mo
Deposit HK$565K · loan HK$1.32M · min. income ≈ HK$12,770/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,684
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,863
−HK$182/mo
Today · 4.125%
HK$7,045
baseline
▲ 0.50% · 4.625%
HK$7,417
+HK$372/mo
Deposit HK$565K · loan HK$1.32M · min. income ≈ HK$14,090/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,725
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,965
−HK$244/mo
Today · 4.125%
HK$8,209
baseline
▲ 0.50% · 4.625%
HK$8,709
+HK$500/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$16,418/mo (50% DSR)
Upfront cash ≈ HK$188K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,594
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,824
−HK$234/mo
Today · 4.125%
HK$9,058
baseline
▲ 0.50% · 4.625%
HK$9,536
+HK$478/mo
Deposit HK$188K · loan HK$1.69M · min. income ≈ HK$18,116/mo (50% DSR)
Upfront cash ≈ HK$188K (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).