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$4,706
−HK$295/mo
▼ 0.25% · 3.875%
HK$4,852
−HK$149/mo
Today · 4.125%
HK$5,001
baseline
▲ 0.50% · 4.625%
HK$5,305
+HK$304/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,002/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$5,235
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,375
−HK$143/mo
Today · 4.125%
HK$5,518
baseline
▲ 0.50% · 4.625%
HK$5,809
+HK$291/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,036/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$5,647
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,822
−HK$179/mo
Today · 4.125%
HK$6,001
baseline
▲ 0.50% · 4.625%
HK$6,366
+HK$365/mo
Deposit HK$825K · loan HK$1.24M · min. income ≈ HK$12,002/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,282
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,450
−HK$171/mo
Today · 4.125%
HK$6,621
baseline
▲ 0.50% · 4.625%
HK$6,970
+HK$349/mo
Deposit HK$825K · loan HK$1.24M · min. income ≈ HK$13,242/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,588
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,793
−HK$208/mo
Today · 4.125%
HK$7,001
baseline
▲ 0.50% · 4.625%
HK$7,427
+HK$426/mo
Deposit HK$619K · loan HK$1.44M · min. income ≈ HK$14,002/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,329
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,526
−HK$199/mo
Today · 4.125%
HK$7,725
baseline
▲ 0.50% · 4.625%
HK$8,132
+HK$407/mo
Deposit HK$619K · loan HK$1.44M · min. income ≈ HK$15,450/mo (50% DSR)
Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,470
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,734
−HK$267/mo
Today · 4.125%
HK$9,001
baseline
▲ 0.50% · 4.625%
HK$9,549
+HK$548/mo
Deposit HK$206K · loan HK$1.86M · min. income ≈ HK$18,002/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$9,423
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,676
−HK$256/mo
Today · 4.125%
HK$9,932
baseline
▲ 0.50% · 4.625%
HK$10,456
+HK$524/mo
Deposit HK$206K · loan HK$1.86M · min. income ≈ HK$19,864/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).