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$4,648
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,792
−HK$147/mo
Today · 4.125%
HK$4,939
baseline
▲ 0.50% · 4.625%
HK$5,239
+HK$300/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,878/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,170
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,309
−HK$141/mo
Today · 4.125%
HK$5,450
baseline
▲ 0.50% · 4.625%
HK$5,737
+HK$287/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,900/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,577
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,751
−HK$176/mo
Today · 4.125%
HK$5,927
baseline
▲ 0.50% · 4.625%
HK$6,287
+HK$360/mo
Deposit HK$815K · loan HK$1.22M · min. income ≈ HK$11,854/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,204
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,371
−HK$169/mo
Today · 4.125%
HK$6,540
baseline
▲ 0.50% · 4.625%
HK$6,884
+HK$344/mo
Deposit HK$815K · loan HK$1.22M · min. income ≈ HK$13,080/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,507
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,709
−HK$206/mo
Today · 4.125%
HK$6,915
baseline
▲ 0.50% · 4.625%
HK$7,335
+HK$420/mo
Deposit HK$611K · loan HK$1.43M · min. income ≈ HK$13,830/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,238
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,433
−HK$197/mo
Today · 4.125%
HK$7,630
baseline
▲ 0.50% · 4.625%
HK$8,032
+HK$402/mo
Deposit HK$611K · loan HK$1.43M · min. income ≈ HK$15,260/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,366
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,626
−HK$264/mo
Today · 4.125%
HK$8,890
baseline
▲ 0.50% · 4.625%
HK$9,431
+HK$541/mo
Deposit HK$204K · loan HK$1.83M · min. income ≈ HK$17,780/mo (50% DSR)
Upfront cash ≈ HK$204K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,307
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,556
−HK$253/mo
Today · 4.125%
HK$9,809
baseline
▲ 0.50% · 4.625%
HK$10,326
+HK$517/mo
Deposit HK$204K · loan HK$1.83M · min. income ≈ HK$19,618/mo (50% DSR)
Upfront cash ≈ HK$204K (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).