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$4,399
−HK$276/mo
▼ 0.25% · 3.875%
HK$4,536
−HK$139/mo
Today · 4.125%
HK$4,675
baseline
▲ 0.50% · 4.625%
HK$4,960
+HK$285/mo
Deposit HK$965K · loan HK$965K · min. income ≈ HK$9,350/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,894
−HK$265/mo
▼ 0.25% · 3.875%
HK$5,025
−HK$134/mo
Today · 4.125%
HK$5,159
baseline
▲ 0.50% · 4.625%
HK$5,431
+HK$272/mo
Deposit HK$965K · loan HK$965K · min. income ≈ HK$10,318/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,279
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,443
−HK$167/mo
Today · 4.125%
HK$5,610
baseline
▲ 0.50% · 4.625%
HK$5,952
+HK$342/mo
Deposit HK$772K · loan HK$1.16M · min. income ≈ HK$11,220/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,873
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,031
−HK$159/mo
Today · 4.125%
HK$6,190
baseline
▲ 0.50% · 4.625%
HK$6,517
+HK$327/mo
Deposit HK$772K · loan HK$1.16M · min. income ≈ HK$12,380/mo (50% DSR)
Upfront cash ≈ HK$772K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,159
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,351
−HK$194/mo
Today · 4.125%
HK$6,545
baseline
▲ 0.50% · 4.625%
HK$6,944
+HK$399/mo
Deposit HK$579K · loan HK$1.35M · min. income ≈ HK$13,090/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,852
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,036
−HK$186/mo
Today · 4.125%
HK$7,222
baseline
▲ 0.50% · 4.625%
HK$7,603
+HK$381/mo
Deposit HK$579K · loan HK$1.35M · min. income ≈ HK$14,444/mo (50% DSR)
Upfront cash ≈ HK$579K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,919
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,165
−HK$250/mo
Today · 4.125%
HK$8,415
baseline
▲ 0.50% · 4.625%
HK$8,927
+HK$512/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$16,830/mo (50% DSR)
Upfront cash ≈ HK$193K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,810
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,046
−HK$240/mo
Today · 4.125%
HK$9,286
baseline
▲ 0.50% · 4.625%
HK$9,775
+HK$489/mo
Deposit HK$193K · loan HK$1.74M · min. income ≈ HK$18,572/mo (50% DSR)
Upfront cash ≈ HK$193K (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).