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$4,581
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,724
−HK$145/mo
Today · 4.125%
HK$4,869
baseline
▲ 0.50% · 4.625%
HK$5,165
+HK$296/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$9,738/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,097
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,233
−HK$139/mo
Today · 4.125%
HK$5,372
baseline
▲ 0.50% · 4.625%
HK$5,655
+HK$283/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$10,744/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,498
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,669
−HK$173/mo
Today · 4.125%
HK$5,842
baseline
▲ 0.50% · 4.625%
HK$6,198
+HK$356/mo
Deposit HK$804K · loan HK$1.21M · min. income ≈ HK$11,684/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,116
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,280
−HK$167/mo
Today · 4.125%
HK$6,447
baseline
▲ 0.50% · 4.625%
HK$6,786
+HK$339/mo
Deposit HK$804K · loan HK$1.21M · min. income ≈ HK$12,894/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,414
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,613
−HK$203/mo
Today · 4.125%
HK$6,816
baseline
▲ 0.50% · 4.625%
HK$7,231
+HK$415/mo
Deposit HK$603K · loan HK$1.41M · min. income ≈ HK$13,632/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,135
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,327
−HK$194/mo
Today · 4.125%
HK$7,521
baseline
▲ 0.50% · 4.625%
HK$7,917
+HK$396/mo
Deposit HK$603K · loan HK$1.41M · min. income ≈ HK$15,042/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,246
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,503
−HK$261/mo
Today · 4.125%
HK$8,764
baseline
▲ 0.50% · 4.625%
HK$9,297
+HK$533/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$17,528/mo (50% DSR)
Upfront cash ≈ HK$201K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,174
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,420
−HK$250/mo
Today · 4.125%
HK$9,670
baseline
▲ 0.50% · 4.625%
HK$10,179
+HK$509/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$19,340/mo (50% DSR)
Upfront cash ≈ HK$201K (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).