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$4,689
−HK$294/mo
▼ 0.25% · 3.875%
HK$4,835
−HK$148/mo
Today · 4.125%
HK$4,983
baseline
▲ 0.50% · 4.625%
HK$5,286
+HK$303/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$9,966/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,216
−HK$282/mo
▼ 0.25% · 3.875%
HK$5,356
−HK$142/mo
Today · 4.125%
HK$5,498
baseline
▲ 0.50% · 4.625%
HK$5,788
+HK$290/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,996/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,626
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,801
−HK$178/mo
Today · 4.125%
HK$5,979
baseline
▲ 0.50% · 4.625%
HK$6,343
+HK$364/mo
Deposit HK$822K · loan HK$1.23M · min. income ≈ HK$11,958/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,259
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,427
−HK$171/mo
Today · 4.125%
HK$6,598
baseline
▲ 0.50% · 4.625%
HK$6,945
+HK$347/mo
Deposit HK$822K · loan HK$1.23M · min. income ≈ HK$13,196/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,564
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,768
−HK$208/mo
Today · 4.125%
HK$6,976
baseline
▲ 0.50% · 4.625%
HK$7,400
+HK$424/mo
Deposit HK$617K · loan HK$1.44M · min. income ≈ HK$13,952/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,303
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,498
−HK$199/mo
Today · 4.125%
HK$7,697
baseline
▲ 0.50% · 4.625%
HK$8,103
+HK$406/mo
Deposit HK$617K · loan HK$1.44M · min. income ≈ HK$15,394/mo (50% DSR)
Upfront cash ≈ HK$617K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,440
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,702
−HK$267/mo
Today · 4.125%
HK$8,969
baseline
▲ 0.50% · 4.625%
HK$9,515
+HK$546/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$17,938/mo (50% DSR)
Upfront cash ≈ HK$206K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,389
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,641
−HK$255/mo
Today · 4.125%
HK$9,896
baseline
▲ 0.50% · 4.625%
HK$10,418
+HK$522/mo
Deposit HK$206K · loan HK$1.85M · min. income ≈ HK$19,792/mo (50% DSR)
Upfront cash ≈ HK$206K (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).