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$4,551
−HK$286/mo
▼ 0.25% · 3.875%
HK$4,693
−HK$144/mo
Today · 4.125%
HK$4,837
baseline
▲ 0.50% · 4.625%
HK$5,131
+HK$294/mo
Deposit HK$998K · loan HK$998K · min. income ≈ HK$9,674/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,063
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,199
−HK$138/mo
Today · 4.125%
HK$5,337
baseline
▲ 0.50% · 4.625%
HK$5,618
+HK$281/mo
Deposit HK$998K · loan HK$998K · min. income ≈ HK$10,674/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,461
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,631
−HK$173/mo
Today · 4.125%
HK$5,804
baseline
▲ 0.50% · 4.625%
HK$6,157
+HK$353/mo
Deposit HK$798K · loan HK$1.20M · min. income ≈ HK$11,608/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,076
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,239
−HK$165/mo
Today · 4.125%
HK$6,404
baseline
▲ 0.50% · 4.625%
HK$6,742
+HK$338/mo
Deposit HK$798K · loan HK$1.20M · min. income ≈ HK$12,808/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,372
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,570
−HK$201/mo
Today · 4.125%
HK$6,771
baseline
▲ 0.50% · 4.625%
HK$7,183
+HK$412/mo
Deposit HK$599K · loan HK$1.40M · min. income ≈ HK$13,542/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,088
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,278
−HK$193/mo
Today · 4.125%
HK$7,471
baseline
▲ 0.50% · 4.625%
HK$7,865
+HK$394/mo
Deposit HK$599K · loan HK$1.40M · min. income ≈ HK$14,942/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,192
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,447
−HK$259/mo
Today · 4.125%
HK$8,706
baseline
▲ 0.50% · 4.625%
HK$9,235
+HK$529/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$17,412/mo (50% DSR)
Upfront cash ≈ HK$200K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,114
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,358
−HK$248/mo
Today · 4.125%
HK$9,606
baseline
▲ 0.50% · 4.625%
HK$10,112
+HK$506/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$19,212/mo (50% DSR)
Upfront cash ≈ HK$200K (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).