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$4,712
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,858
−HK$149/mo
Today · 4.125%
HK$5,007
baseline
▲ 0.50% · 4.625%
HK$5,312
+HK$305/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,014/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$5,242
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,382
−HK$143/mo
Today · 4.125%
HK$5,525
baseline
▲ 0.50% · 4.625%
HK$5,816
+HK$291/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,050/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$5,654
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,830
−HK$178/mo
Today · 4.125%
HK$6,008
baseline
▲ 0.50% · 4.625%
HK$6,374
+HK$366/mo
Deposit HK$827K · loan HK$1.24M · min. income ≈ HK$12,016/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,290
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,459
−HK$171/mo
Today · 4.125%
HK$6,630
baseline
▲ 0.50% · 4.625%
HK$6,979
+HK$349/mo
Deposit HK$827K · loan HK$1.24M · min. income ≈ HK$13,260/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,596
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,801
−HK$209/mo
Today · 4.125%
HK$7,010
baseline
▲ 0.50% · 4.625%
HK$7,436
+HK$426/mo
Deposit HK$620K · loan HK$1.45M · min. income ≈ HK$14,020/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,338
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,535
−HK$200/mo
Today · 4.125%
HK$7,735
baseline
▲ 0.50% · 4.625%
HK$8,142
+HK$407/mo
Deposit HK$620K · loan HK$1.45M · min. income ≈ HK$15,470/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,481
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,745
−HK$268/mo
Today · 4.125%
HK$9,013
baseline
▲ 0.50% · 4.625%
HK$9,561
+HK$548/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$18,026/mo (50% DSR)
Upfront cash ≈ HK$207K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,435
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,688
−HK$257/mo
Today · 4.125%
HK$9,945
baseline
▲ 0.50% · 4.625%
HK$10,469
+HK$524/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$19,890/mo (50% DSR)
Upfront cash ≈ HK$207K (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).