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$4,622
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,765
−HK$146/mo
Today · 4.125%
HK$4,911
baseline
▲ 0.50% · 4.625%
HK$5,210
+HK$299/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,822/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$5,141
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,279
−HK$140/mo
Today · 4.125%
HK$5,419
baseline
▲ 0.50% · 4.625%
HK$5,705
+HK$286/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,838/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$5,546
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,718
−HK$176/mo
Today · 4.125%
HK$5,894
baseline
▲ 0.50% · 4.625%
HK$6,252
+HK$358/mo
Deposit HK$811K · loan HK$1.22M · min. income ≈ HK$11,788/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,170
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,335
−HK$168/mo
Today · 4.125%
HK$6,503
baseline
▲ 0.50% · 4.625%
HK$6,846
+HK$343/mo
Deposit HK$811K · loan HK$1.22M · min. income ≈ HK$13,006/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,470
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,671
−HK$205/mo
Today · 4.125%
HK$6,876
baseline
▲ 0.50% · 4.625%
HK$7,294
+HK$418/mo
Deposit HK$608K · loan HK$1.42M · min. income ≈ HK$13,752/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,198
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,391
−HK$196/mo
Today · 4.125%
HK$7,587
baseline
▲ 0.50% · 4.625%
HK$7,987
+HK$400/mo
Deposit HK$608K · loan HK$1.42M · min. income ≈ HK$15,174/mo (50% DSR)
Upfront cash ≈ HK$608K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,319
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,577
−HK$263/mo
Today · 4.125%
HK$8,840
baseline
▲ 0.50% · 4.625%
HK$9,378
+HK$538/mo
Deposit HK$203K · loan HK$1.82M · min. income ≈ HK$17,680/mo (50% DSR)
Upfront cash ≈ HK$203K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,254
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,503
−HK$251/mo
Today · 4.125%
HK$9,754
baseline
▲ 0.50% · 4.625%
HK$10,269
+HK$515/mo
Deposit HK$203K · loan HK$1.82M · min. income ≈ HK$19,508/mo (50% DSR)
Upfront cash ≈ HK$203K (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).