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$4,609
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,753
−HK$146/mo
Today · 4.125%
HK$4,899
baseline
▲ 0.50% · 4.625%
HK$5,197
+HK$298/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,798/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$5,128
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,266
−HK$139/mo
Today · 4.125%
HK$5,405
baseline
▲ 0.50% · 4.625%
HK$5,690
+HK$285/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,810/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$5,531
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,703
−HK$175/mo
Today · 4.125%
HK$5,878
baseline
▲ 0.50% · 4.625%
HK$6,236
+HK$358/mo
Deposit HK$809K · loan HK$1.21M · min. income ≈ HK$11,756/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,154
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,319
−HK$167/mo
Today · 4.125%
HK$6,486
baseline
▲ 0.50% · 4.625%
HK$6,828
+HK$342/mo
Deposit HK$809K · loan HK$1.21M · min. income ≈ HK$12,972/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,453
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,654
−HK$204/mo
Today · 4.125%
HK$6,858
baseline
▲ 0.50% · 4.625%
HK$7,275
+HK$417/mo
Deposit HK$606K · loan HK$1.42M · min. income ≈ HK$13,716/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,179
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,372
−HK$195/mo
Today · 4.125%
HK$7,567
baseline
▲ 0.50% · 4.625%
HK$7,966
+HK$399/mo
Deposit HK$606K · loan HK$1.42M · min. income ≈ HK$15,134/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,297
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,555
−HK$262/mo
Today · 4.125%
HK$8,817
baseline
▲ 0.50% · 4.625%
HK$9,354
+HK$537/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$17,634/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$9,230
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,478
−HK$251/mo
Today · 4.125%
HK$9,729
baseline
▲ 0.50% · 4.625%
HK$10,242
+HK$513/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$19,458/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).