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$4,358
−HK$273/mo
▼ 0.25% · 3.875%
HK$4,493
−HK$138/mo
Today · 4.125%
HK$4,631
baseline
▲ 0.50% · 4.625%
HK$4,913
+HK$282/mo
Deposit HK$955K · loan HK$955K · min. income ≈ HK$9,262/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,848
−HK$262/mo
▼ 0.25% · 3.875%
HK$4,978
−HK$132/mo
Today · 4.125%
HK$5,110
baseline
▲ 0.50% · 4.625%
HK$5,379
+HK$269/mo
Deposit HK$955K · loan HK$955K · min. income ≈ HK$10,220/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,229
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,392
−HK$165/mo
Today · 4.125%
HK$5,557
baseline
▲ 0.50% · 4.625%
HK$5,895
+HK$338/mo
Deposit HK$764K · loan HK$1.15M · min. income ≈ HK$11,114/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,817
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,973
−HK$159/mo
Today · 4.125%
HK$6,132
baseline
▲ 0.50% · 4.625%
HK$6,455
+HK$323/mo
Deposit HK$764K · loan HK$1.15M · min. income ≈ HK$12,264/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,101
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,290
−HK$193/mo
Today · 4.125%
HK$6,483
baseline
▲ 0.50% · 4.625%
HK$6,878
+HK$395/mo
Deposit HK$573K · loan HK$1.34M · min. income ≈ HK$12,966/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,787
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,969
−HK$184/mo
Today · 4.125%
HK$7,153
baseline
▲ 0.50% · 4.625%
HK$7,531
+HK$378/mo
Deposit HK$573K · loan HK$1.34M · min. income ≈ HK$14,306/mo (50% DSR)
Upfront cash ≈ HK$573K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,844
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,088
−HK$247/mo
Today · 4.125%
HK$8,335
baseline
▲ 0.50% · 4.625%
HK$8,843
+HK$508/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$16,670/mo (50% DSR)
Upfront cash ≈ HK$191K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,726
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,960
−HK$237/mo
Today · 4.125%
HK$9,197
baseline
▲ 0.50% · 4.625%
HK$9,682
+HK$485/mo
Deposit HK$191K · loan HK$1.72M · min. income ≈ HK$18,394/mo (50% DSR)
Upfront cash ≈ HK$191K (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).