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$4,693
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,839
−HK$148/mo
Today · 4.125%
HK$4,987
baseline
▲ 0.50% · 4.625%
HK$5,291
+HK$304/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,974/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,221
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,361
−HK$142/mo
Today · 4.125%
HK$5,503
baseline
▲ 0.50% · 4.625%
HK$5,793
+HK$290/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,006/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,632
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,807
−HK$178/mo
Today · 4.125%
HK$5,985
baseline
▲ 0.50% · 4.625%
HK$6,349
+HK$364/mo
Deposit HK$823K · loan HK$1.23M · min. income ≈ HK$11,970/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,265
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,433
−HK$171/mo
Today · 4.125%
HK$6,604
baseline
▲ 0.50% · 4.625%
HK$6,952
+HK$348/mo
Deposit HK$823K · loan HK$1.23M · min. income ≈ HK$13,208/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,570
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,775
−HK$207/mo
Today · 4.125%
HK$6,982
baseline
▲ 0.50% · 4.625%
HK$7,407
+HK$425/mo
Deposit HK$617K · loan HK$1.44M · min. income ≈ HK$13,964/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,309
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,505
−HK$199/mo
Today · 4.125%
HK$7,704
baseline
▲ 0.50% · 4.625%
HK$8,110
+HK$406/mo
Deposit HK$617K · loan HK$1.44M · min. income ≈ HK$15,408/mo (50% DSR)
Upfront cash ≈ HK$618K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,448
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,710
−HK$267/mo
Today · 4.125%
HK$8,977
baseline
▲ 0.50% · 4.625%
HK$9,523
+HK$546/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$17,954/mo (50% DSR)
Upfront cash ≈ HK$206K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,398
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,650
−HK$256/mo
Today · 4.125%
HK$9,906
baseline
▲ 0.50% · 4.625%
HK$10,428
+HK$522/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$19,812/mo (50% DSR)
Upfront cash ≈ HK$206K (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).