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$287/mo
▼ 0.25% · 3.875%
HK$4,723
−HK$145/mo
Today · 4.125%
HK$4,868
baseline
▲ 0.50% · 4.625%
HK$5,164
+HK$296/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$9,736/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$5,096
−HK$276/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$5,497
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,668
−HK$174/mo
Today · 4.125%
HK$5,842
baseline
▲ 0.50% · 4.625%
HK$6,197
+HK$355/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$6,115
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,279
−HK$167/mo
Today · 4.125%
HK$6,446
baseline
▲ 0.50% · 4.625%
HK$6,786
+HK$340/mo
Deposit HK$804K · loan HK$1.21M · min. income ≈ HK$12,892/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$6,413
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,613
−HK$202/mo
Today · 4.125%
HK$6,815
baseline
▲ 0.50% · 4.625%
HK$7,230
+HK$415/mo
Deposit HK$603K · loan HK$1.41M · min. income ≈ HK$13,630/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$385/mo
▼ 0.25% · 3.875%
HK$7,326
−HK$194/mo
Today · 4.125%
HK$7,520
baseline
▲ 0.50% · 4.625%
HK$7,917
+HK$397/mo
Deposit HK$603K · loan HK$1.41M · min. income ≈ HK$15,040/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$517/mo
▼ 0.25% · 3.875%
HK$8,502
−HK$261/mo
Today · 4.125%
HK$8,763
baseline
▲ 0.50% · 4.625%
HK$9,296
+HK$533/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$17,526/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$9,173
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,419
−HK$250/mo
Today · 4.125%
HK$9,669
baseline
▲ 0.50% · 4.625%
HK$10,178
+HK$509/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$19,338/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).