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$4,441
−HK$278/mo
▼ 0.25% · 3.875%
HK$4,579
−HK$140/mo
Today · 4.125%
HK$4,719
baseline
▲ 0.50% · 4.625%
HK$5,006
+HK$287/mo
Deposit HK$974K · loan HK$974K · min. income ≈ HK$9,438/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,940
−HK$267/mo
▼ 0.25% · 3.875%
HK$5,073
−HK$134/mo
Today · 4.125%
HK$5,207
baseline
▲ 0.50% · 4.625%
HK$5,481
+HK$274/mo
Deposit HK$974K · loan HK$974K · min. income ≈ HK$10,414/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,329
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,494
−HK$169/mo
Today · 4.125%
HK$5,663
baseline
▲ 0.50% · 4.625%
HK$6,007
+HK$344/mo
Deposit HK$779K · loan HK$1.17M · min. income ≈ HK$11,326/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,928
−HK$320/mo
▼ 0.25% · 3.875%
HK$6,087
−HK$161/mo
Today · 4.125%
HK$6,248
baseline
▲ 0.50% · 4.625%
HK$6,578
+HK$330/mo
Deposit HK$779K · loan HK$1.17M · min. income ≈ HK$12,496/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,217
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,410
−HK$197/mo
Today · 4.125%
HK$6,607
baseline
▲ 0.50% · 4.625%
HK$7,009
+HK$402/mo
Deposit HK$584K · loan HK$1.36M · min. income ≈ HK$13,214/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,916
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,102
−HK$188/mo
Today · 4.125%
HK$7,290
baseline
▲ 0.50% · 4.625%
HK$7,674
+HK$384/mo
Deposit HK$584K · loan HK$1.36M · min. income ≈ HK$14,580/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,993
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,242
−HK$252/mo
Today · 4.125%
HK$8,494
baseline
▲ 0.50% · 4.625%
HK$9,011
+HK$517/mo
Deposit HK$195K · loan HK$1.75M · min. income ≈ HK$16,988/mo (50% DSR)
Upfront cash ≈ HK$195K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,892
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,131
−HK$241/mo
Today · 4.125%
HK$9,372
baseline
▲ 0.50% · 4.625%
HK$9,866
+HK$494/mo
Deposit HK$195K · loan HK$1.75M · min. income ≈ HK$18,744/mo (50% DSR)
Upfront cash ≈ HK$195K (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).