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$4,249
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,381
−HK$134/mo
Today · 4.125%
HK$4,515
baseline
▲ 0.50% · 4.625%
HK$4,790
+HK$275/mo
Deposit HK$932K · loan HK$932K · min. income ≈ HK$9,030/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$4,727
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,854
−HK$128/mo
Today · 4.125%
HK$4,982
baseline
▲ 0.50% · 4.625%
HK$5,245
+HK$263/mo
Deposit HK$932K · loan HK$932K · min. income ≈ HK$9,964/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$5,099
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,257
−HK$162/mo
Today · 4.125%
HK$5,419
baseline
▲ 0.50% · 4.625%
HK$5,748
+HK$329/mo
Deposit HK$745K · loan HK$1.12M · min. income ≈ HK$10,838/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,672
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,824
−HK$155/mo
Today · 4.125%
HK$5,979
baseline
▲ 0.50% · 4.625%
HK$6,294
+HK$315/mo
Deposit HK$745K · loan HK$1.12M · min. income ≈ HK$11,958/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,949
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,134
−HK$188/mo
Today · 4.125%
HK$6,322
baseline
▲ 0.50% · 4.625%
HK$6,706
+HK$384/mo
Deposit HK$559K · loan HK$1.30M · min. income ≈ HK$12,644/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$6,618
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,795
−HK$180/mo
Today · 4.125%
HK$6,975
baseline
▲ 0.50% · 4.625%
HK$7,343
+HK$368/mo
Deposit HK$559K · loan HK$1.30M · min. income ≈ HK$13,950/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$7,648
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,886
−HK$242/mo
Today · 4.125%
HK$8,128
baseline
▲ 0.50% · 4.625%
HK$8,622
+HK$494/mo
Deposit HK$186K · loan HK$1.68M · min. income ≈ HK$16,256/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$8,509
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,737
−HK$231/mo
Today · 4.125%
HK$8,968
baseline
▲ 0.50% · 4.625%
HK$9,441
+HK$473/mo
Deposit HK$186K · loan HK$1.68M · min. income ≈ HK$17,936/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).