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$4,654
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,799
−HK$147/mo
Today · 4.125%
HK$4,946
baseline
▲ 0.50% · 4.625%
HK$5,247
+HK$301/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,892/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,178
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,317
−HK$141/mo
Today · 4.125%
HK$5,458
baseline
▲ 0.50% · 4.625%
HK$5,745
+HK$287/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,916/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,585
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,759
−HK$177/mo
Today · 4.125%
HK$5,936
baseline
▲ 0.50% · 4.625%
HK$6,297
+HK$361/mo
Deposit HK$816K · loan HK$1.22M · min. income ≈ HK$11,872/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,214
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,380
−HK$169/mo
Today · 4.125%
HK$6,549
baseline
▲ 0.50% · 4.625%
HK$6,895
+HK$346/mo
Deposit HK$816K · loan HK$1.22M · min. income ≈ HK$13,098/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,516
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,719
−HK$206/mo
Today · 4.125%
HK$6,925
baseline
▲ 0.50% · 4.625%
HK$7,346
+HK$421/mo
Deposit HK$612K · loan HK$1.43M · min. income ≈ HK$13,850/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,249
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,444
−HK$197/mo
Today · 4.125%
HK$7,641
baseline
▲ 0.50% · 4.625%
HK$8,044
+HK$403/mo
Deposit HK$612K · loan HK$1.43M · min. income ≈ HK$15,282/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,378
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,639
−HK$264/mo
Today · 4.125%
HK$8,903
baseline
▲ 0.50% · 4.625%
HK$9,445
+HK$542/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$17,806/mo (50% DSR)
Upfront cash ≈ HK$204K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,320
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,570
−HK$254/mo
Today · 4.125%
HK$9,824
baseline
▲ 0.50% · 4.625%
HK$10,342
+HK$518/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$19,648/mo (50% DSR)
Upfront cash ≈ HK$204K (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).