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$4,240
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,372
−HK$134/mo
Today · 4.125%
HK$4,506
baseline
▲ 0.50% · 4.625%
HK$4,780
+HK$274/mo
Deposit HK$930K · loan HK$930K · min. income ≈ HK$9,012/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,717
−HK$254/mo
▼ 0.25% · 3.875%
HK$4,843
−HK$128/mo
Today · 4.125%
HK$4,971
baseline
▲ 0.50% · 4.625%
HK$5,233
+HK$262/mo
Deposit HK$930K · loan HK$930K · min. income ≈ HK$9,942/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,088
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,246
−HK$161/mo
Today · 4.125%
HK$5,407
baseline
▲ 0.50% · 4.625%
HK$5,736
+HK$329/mo
Deposit HK$744K · loan HK$1.12M · min. income ≈ HK$10,814/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,660
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,812
−HK$154/mo
Today · 4.125%
HK$5,966
baseline
▲ 0.50% · 4.625%
HK$6,280
+HK$314/mo
Deposit HK$744K · loan HK$1.12M · min. income ≈ HK$11,932/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,936
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,120
−HK$188/mo
Today · 4.125%
HK$6,308
baseline
▲ 0.50% · 4.625%
HK$6,692
+HK$384/mo
Deposit HK$558K · loan HK$1.30M · min. income ≈ HK$12,616/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,603
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,780
−HK$180/mo
Today · 4.125%
HK$6,960
baseline
▲ 0.50% · 4.625%
HK$7,327
+HK$367/mo
Deposit HK$558K · loan HK$1.30M · min. income ≈ HK$13,920/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,631
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,869
−HK$241/mo
Today · 4.125%
HK$8,110
baseline
▲ 0.50% · 4.625%
HK$8,603
+HK$493/mo
Deposit HK$186K · loan HK$1.67M · min. income ≈ HK$16,220/mo (50% DSR)
Upfront cash ≈ HK$186K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,490
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,718
−HK$231/mo
Today · 4.125%
HK$8,949
baseline
▲ 0.50% · 4.625%
HK$9,420
+HK$471/mo
Deposit HK$186K · loan HK$1.67M · min. income ≈ HK$17,898/mo (50% DSR)
Upfront cash ≈ HK$186K (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).