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$4,580
−HK$288/mo
▼ 0.25% · 3.875%
HK$4,723
−HK$145/mo
Today · 4.125%
HK$4,868
baseline
▲ 0.50% · 4.625%
HK$5,164
+HK$296/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$9,736/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,096
−HK$275/mo
▼ 0.25% · 3.875%
HK$5,232
−HK$139/mo
Today · 4.125%
HK$5,371
baseline
▲ 0.50% · 4.625%
HK$5,654
+HK$283/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$10,742/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,496
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,667
−HK$174/mo
Today · 4.125%
HK$5,841
baseline
▲ 0.50% · 4.625%
HK$6,197
+HK$356/mo
Deposit HK$803K · loan HK$1.21M · min. income ≈ HK$11,682/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,115
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,279
−HK$166/mo
Today · 4.125%
HK$6,445
baseline
▲ 0.50% · 4.625%
HK$6,785
+HK$340/mo
Deposit HK$803K · loan HK$1.21M · min. income ≈ HK$12,890/mo (50% DSR)
Upfront cash ≈ HK$804K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,413
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,612
−HK$203/mo
Today · 4.125%
HK$6,815
baseline
▲ 0.50% · 4.625%
HK$7,229
+HK$414/mo
Deposit HK$603K · loan HK$1.41M · min. income ≈ HK$13,630/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,134
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,325
−HK$194/mo
Today · 4.125%
HK$7,519
baseline
▲ 0.50% · 4.625%
HK$7,916
+HK$397/mo
Deposit HK$603K · loan HK$1.41M · min. income ≈ HK$15,038/mo (50% DSR)
Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,245
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,501
−HK$261/mo
Today · 4.125%
HK$8,762
baseline
▲ 0.50% · 4.625%
HK$9,295
+HK$533/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$17,524/mo (50% DSR)
Upfront cash ≈ HK$201K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,172
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,418
−HK$250/mo
Today · 4.125%
HK$9,668
baseline
▲ 0.50% · 4.625%
HK$10,177
+HK$509/mo
Deposit HK$201K · loan HK$1.81M · min. income ≈ HK$19,336/mo (50% DSR)
Upfront cash ≈ HK$201K (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).