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$4,598
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,741
−HK$146/mo
Today · 4.125%
HK$4,887
baseline
▲ 0.50% · 4.625%
HK$5,184
+HK$297/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,774/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,116
−HK$276/mo
▼ 0.25% · 3.875%
HK$5,253
−HK$139/mo
Today · 4.125%
HK$5,392
baseline
▲ 0.50% · 4.625%
HK$5,676
+HK$284/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,784/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,518
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,690
−HK$174/mo
Today · 4.125%
HK$5,864
baseline
▲ 0.50% · 4.625%
HK$6,221
+HK$357/mo
Deposit HK$807K · loan HK$1.21M · min. income ≈ HK$11,728/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,139
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,304
−HK$167/mo
Today · 4.125%
HK$6,471
baseline
▲ 0.50% · 4.625%
HK$6,812
+HK$341/mo
Deposit HK$807K · loan HK$1.21M · min. income ≈ HK$12,942/mo (50% DSR)
Upfront cash ≈ HK$807K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,438
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,638
−HK$204/mo
Today · 4.125%
HK$6,842
baseline
▲ 0.50% · 4.625%
HK$7,258
+HK$416/mo
Deposit HK$605K · loan HK$1.41M · min. income ≈ HK$13,684/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,162
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,354
−HK$195/mo
Today · 4.125%
HK$7,549
baseline
▲ 0.50% · 4.625%
HK$7,947
+HK$398/mo
Deposit HK$605K · loan HK$1.41M · min. income ≈ HK$15,098/mo (50% DSR)
Upfront cash ≈ HK$605K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,277
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,535
−HK$261/mo
Today · 4.125%
HK$8,796
baseline
▲ 0.50% · 4.625%
HK$9,331
+HK$535/mo
Deposit HK$202K · loan HK$1.81M · min. income ≈ HK$17,592/mo (50% DSR)
Upfront cash ≈ HK$202K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,208
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,455
−HK$251/mo
Today · 4.125%
HK$9,706
baseline
▲ 0.50% · 4.625%
HK$10,217
+HK$511/mo
Deposit HK$202K · loan HK$1.81M · min. income ≈ HK$19,412/mo (50% DSR)
Upfront cash ≈ HK$202K (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).