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$4,246
−HK$266/mo
▼ 0.25% · 3.875%
HK$4,378
−HK$134/mo
Today · 4.125%
HK$4,512
baseline
▲ 0.50% · 4.625%
HK$4,787
+HK$275/mo
Deposit HK$931K · loan HK$931K · min. income ≈ HK$9,024/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,724
−HK$255/mo
▼ 0.25% · 3.875%
HK$4,850
−HK$129/mo
Today · 4.125%
HK$4,979
baseline
▲ 0.50% · 4.625%
HK$5,241
+HK$262/mo
Deposit HK$931K · loan HK$931K · min. income ≈ HK$9,958/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,095
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,254
−HK$161/mo
Today · 4.125%
HK$5,415
baseline
▲ 0.50% · 4.625%
HK$5,744
+HK$329/mo
Deposit HK$745K · loan HK$1.12M · min. income ≈ HK$10,830/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$5,669
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,821
−HK$154/mo
Today · 4.125%
HK$5,975
baseline
▲ 0.50% · 4.625%
HK$6,290
+HK$315/mo
Deposit HK$745K · loan HK$1.12M · min. income ≈ HK$11,950/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$5,945
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,130
−HK$187/mo
Today · 4.125%
HK$6,317
baseline
▲ 0.50% · 4.625%
HK$6,702
+HK$385/mo
Deposit HK$559K · loan HK$1.30M · min. income ≈ HK$12,634/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$6,613
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,791
−HK$180/mo
Today · 4.125%
HK$6,971
baseline
▲ 0.50% · 4.625%
HK$7,338
+HK$367/mo
Deposit HK$559K · loan HK$1.30M · min. income ≈ HK$13,942/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$7,643
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,881
−HK$241/mo
Today · 4.125%
HK$8,122
baseline
▲ 0.50% · 4.625%
HK$8,617
+HK$495/mo
Deposit HK$186K · loan HK$1.68M · min. income ≈ HK$16,244/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$8,503
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,731
−HK$231/mo
Today · 4.125%
HK$8,962
baseline
▲ 0.50% · 4.625%
HK$9,435
+HK$473/mo
Deposit HK$186K · loan HK$1.68M · min. income ≈ HK$17,924/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).