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$4,618
−HK$290/mo
▼ 0.25% · 3.875%
HK$4,762
−HK$146/mo
Today · 4.125%
HK$4,908
baseline
▲ 0.50% · 4.625%
HK$5,206
+HK$298/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,816/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$5,137
−HK$278/mo
▼ 0.25% · 3.875%
HK$5,275
−HK$140/mo
Today · 4.125%
HK$5,415
baseline
▲ 0.50% · 4.625%
HK$5,700
+HK$285/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,830/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$5,542
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,714
−HK$175/mo
Today · 4.125%
HK$5,889
baseline
▲ 0.50% · 4.625%
HK$6,247
+HK$358/mo
Deposit HK$810K · loan HK$1.22M · min. income ≈ HK$11,778/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,165
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,330
−HK$168/mo
Today · 4.125%
HK$6,498
baseline
▲ 0.50% · 4.625%
HK$6,841
+HK$343/mo
Deposit HK$810K · loan HK$1.22M · min. income ≈ HK$12,996/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,465
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,666
−HK$205/mo
Today · 4.125%
HK$6,871
baseline
▲ 0.50% · 4.625%
HK$7,289
+HK$418/mo
Deposit HK$608K · loan HK$1.42M · min. income ≈ HK$13,742/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$7,192
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,385
−HK$196/mo
Today · 4.125%
HK$7,581
baseline
▲ 0.50% · 4.625%
HK$7,981
+HK$400/mo
Deposit HK$608K · loan HK$1.42M · min. income ≈ HK$15,162/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$8,312
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,571
−HK$263/mo
Today · 4.125%
HK$8,834
baseline
▲ 0.50% · 4.625%
HK$9,371
+HK$537/mo
Deposit HK$203K · loan HK$1.82M · min. income ≈ HK$17,668/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$9,247
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,495
−HK$252/mo
Today · 4.125%
HK$9,747
baseline
▲ 0.50% · 4.625%
HK$10,261
+HK$514/mo
Deposit HK$203K · loan HK$1.82M · min. income ≈ HK$19,494/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).