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$4,535
−HK$284/mo
▼ 0.25% · 3.875%
HK$4,676
−HK$143/mo
Today · 4.125%
HK$4,819
baseline
▲ 0.50% · 4.625%
HK$5,112
+HK$293/mo
Deposit HK$994K · loan HK$994K · min. income ≈ HK$9,638/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,045
−HK$272/mo
▼ 0.25% · 3.875%
HK$5,180
−HK$137/mo
Today · 4.125%
HK$5,317
baseline
▲ 0.50% · 4.625%
HK$5,598
+HK$281/mo
Deposit HK$994K · loan HK$994K · min. income ≈ HK$10,634/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,442
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,611
−HK$172/mo
Today · 4.125%
HK$5,783
baseline
▲ 0.50% · 4.625%
HK$6,135
+HK$352/mo
Deposit HK$795K · loan HK$1.19M · min. income ≈ HK$11,566/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,054
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,216
−HK$165/mo
Today · 4.125%
HK$6,381
baseline
▲ 0.50% · 4.625%
HK$6,717
+HK$336/mo
Deposit HK$795K · loan HK$1.19M · min. income ≈ HK$12,762/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,348
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,546
−HK$201/mo
Today · 4.125%
HK$6,747
baseline
▲ 0.50% · 4.625%
HK$7,157
+HK$410/mo
Deposit HK$597K · loan HK$1.39M · min. income ≈ HK$13,494/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,063
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,252
−HK$192/mo
Today · 4.125%
HK$7,444
baseline
▲ 0.50% · 4.625%
HK$7,837
+HK$393/mo
Deposit HK$597K · loan HK$1.39M · min. income ≈ HK$14,888/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,162
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,416
−HK$258/mo
Today · 4.125%
HK$8,674
baseline
▲ 0.50% · 4.625%
HK$9,202
+HK$528/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$17,348/mo (50% DSR)
Upfront cash ≈ HK$199K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,080
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,324
−HK$247/mo
Today · 4.125%
HK$9,571
baseline
▲ 0.50% · 4.625%
HK$10,076
+HK$505/mo
Deposit HK$199K · loan HK$1.79M · min. income ≈ HK$19,142/mo (50% DSR)
Upfront cash ≈ HK$199K (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).