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$4,663
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,808
−HK$147/mo
Today · 4.125%
HK$4,955
baseline
▲ 0.50% · 4.625%
HK$5,257
+HK$302/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,910/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$5,187
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,326
−HK$141/mo
Today · 4.125%
HK$5,467
baseline
▲ 0.50% · 4.625%
HK$5,756
+HK$289/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,934/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$5,595
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,769
−HK$177/mo
Today · 4.125%
HK$5,946
baseline
▲ 0.50% · 4.625%
HK$6,308
+HK$362/mo
Deposit HK$818K · loan HK$1.23M · min. income ≈ HK$11,892/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,225
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,392
−HK$169/mo
Today · 4.125%
HK$6,561
baseline
▲ 0.50% · 4.625%
HK$6,907
+HK$346/mo
Deposit HK$818K · loan HK$1.23M · min. income ≈ HK$13,122/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,528
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,731
−HK$206/mo
Today · 4.125%
HK$6,937
baseline
▲ 0.50% · 4.625%
HK$7,359
+HK$422/mo
Deposit HK$613K · loan HK$1.43M · min. income ≈ HK$13,874/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,262
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,457
−HK$197/mo
Today · 4.125%
HK$7,654
baseline
▲ 0.50% · 4.625%
HK$8,058
+HK$404/mo
Deposit HK$613K · loan HK$1.43M · min. income ≈ HK$15,308/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,393
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,654
−HK$265/mo
Today · 4.125%
HK$8,919
baseline
▲ 0.50% · 4.625%
HK$9,462
+HK$543/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$17,838/mo (50% DSR)
Upfront cash ≈ HK$205K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,337
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,587
−HK$254/mo
Today · 4.125%
HK$9,841
baseline
▲ 0.50% · 4.625%
HK$10,360
+HK$519/mo
Deposit HK$204K · loan HK$1.84M · min. income ≈ HK$19,682/mo (50% DSR)
Upfront cash ≈ HK$205K (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).