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$4,251
−HK$267/mo
▼ 0.25% · 3.875%
HK$4,384
−HK$134/mo
Today · 4.125%
HK$4,518
baseline
▲ 0.50% · 4.625%
HK$4,793
+HK$275/mo
Deposit HK$932K · loan HK$932K · min. income ≈ HK$9,036/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,730
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,856
−HK$129/mo
Today · 4.125%
HK$4,985
baseline
▲ 0.50% · 4.625%
HK$5,248
+HK$263/mo
Deposit HK$932K · loan HK$932K · min. income ≈ HK$9,970/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,102
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,260
−HK$161/mo
Today · 4.125%
HK$5,421
baseline
▲ 0.50% · 4.625%
HK$5,751
+HK$330/mo
Deposit HK$746K · loan HK$1.12M · min. income ≈ HK$10,842/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,675
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,828
−HK$154/mo
Today · 4.125%
HK$5,982
baseline
▲ 0.50% · 4.625%
HK$6,297
+HK$315/mo
Deposit HK$746K · loan HK$1.12M · min. income ≈ HK$11,964/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,952
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,137
−HK$188/mo
Today · 4.125%
HK$6,325
baseline
▲ 0.50% · 4.625%
HK$6,710
+HK$385/mo
Deposit HK$559K · loan HK$1.31M · min. income ≈ HK$12,650/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,621
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,799
−HK$180/mo
Today · 4.125%
HK$6,979
baseline
▲ 0.50% · 4.625%
HK$7,347
+HK$368/mo
Deposit HK$559K · loan HK$1.31M · min. income ≈ HK$13,958/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,652
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,890
−HK$242/mo
Today · 4.125%
HK$8,132
baseline
▲ 0.50% · 4.625%
HK$8,627
+HK$495/mo
Deposit HK$186K · loan HK$1.68M · min. income ≈ HK$16,264/mo (50% DSR)
Upfront cash ≈ HK$187K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,513
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,741
−HK$232/mo
Today · 4.125%
HK$8,973
baseline
▲ 0.50% · 4.625%
HK$9,446
+HK$473/mo
Deposit HK$186K · loan HK$1.68M · min. income ≈ HK$17,946/mo (50% DSR)
Upfront cash ≈ HK$187K (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).