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$4,614
−HK$289/mo
▼ 0.25% · 3.875%
HK$4,757
−HK$146/mo
Today · 4.125%
HK$4,903
baseline
▲ 0.50% · 4.625%
HK$5,202
+HK$299/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$9,806/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$5,133
−HK$277/mo
▼ 0.25% · 3.875%
HK$5,271
−HK$139/mo
Today · 4.125%
HK$5,410
baseline
▲ 0.50% · 4.625%
HK$5,695
+HK$285/mo
Deposit HK$1.01M · loan HK$1.01M · min. income ≈ HK$10,820/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$5,537
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,709
−HK$175/mo
Today · 4.125%
HK$5,884
baseline
▲ 0.50% · 4.625%
HK$6,242
+HK$358/mo
Deposit HK$809K · loan HK$1.21M · min. income ≈ HK$11,768/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,159
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,325
−HK$167/mo
Today · 4.125%
HK$6,492
baseline
▲ 0.50% · 4.625%
HK$6,834
+HK$342/mo
Deposit HK$809K · loan HK$1.21M · min. income ≈ HK$12,984/mo (50% DSR)
Upfront cash ≈ HK$809K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,459
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,660
−HK$204/mo
Today · 4.125%
HK$6,864
baseline
▲ 0.50% · 4.625%
HK$7,282
+HK$418/mo
Deposit HK$607K · loan HK$1.42M · min. income ≈ HK$13,728/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,186
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,379
−HK$195/mo
Today · 4.125%
HK$7,574
baseline
▲ 0.50% · 4.625%
HK$7,973
+HK$399/mo
Deposit HK$607K · loan HK$1.42M · min. income ≈ HK$15,148/mo (50% DSR)
Upfront cash ≈ HK$607K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,305
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,563
−HK$263/mo
Today · 4.125%
HK$8,826
baseline
▲ 0.50% · 4.625%
HK$9,363
+HK$537/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$17,652/mo (50% DSR)
Upfront cash ≈ HK$202K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,239
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,487
−HK$251/mo
Today · 4.125%
HK$9,738
baseline
▲ 0.50% · 4.625%
HK$10,252
+HK$514/mo
Deposit HK$202K · loan HK$1.82M · min. income ≈ HK$19,476/mo (50% DSR)
Upfront cash ≈ HK$202K (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).