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$4,669
−HK$292/mo
▼ 0.25% · 3.875%
HK$4,814
−HK$147/mo
Today · 4.125%
HK$4,961
baseline
▲ 0.50% · 4.625%
HK$5,263
+HK$302/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,922/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$5,194
−HK$280/mo
▼ 0.25% · 3.875%
HK$5,333
−HK$141/mo
Today · 4.125%
HK$5,474
baseline
▲ 0.50% · 4.625%
HK$5,763
+HK$289/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,948/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$5,602
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,777
−HK$177/mo
Today · 4.125%
HK$5,954
baseline
▲ 0.50% · 4.625%
HK$6,316
+HK$362/mo
Deposit HK$819K · loan HK$1.23M · min. income ≈ HK$11,908/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,233
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,400
−HK$169/mo
Today · 4.125%
HK$6,569
baseline
▲ 0.50% · 4.625%
HK$6,916
+HK$347/mo
Deposit HK$819K · loan HK$1.23M · min. income ≈ HK$13,138/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,536
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,739
−HK$207/mo
Today · 4.125%
HK$6,946
baseline
▲ 0.50% · 4.625%
HK$7,369
+HK$423/mo
Deposit HK$614K · loan HK$1.43M · min. income ≈ HK$13,892/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,271
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,466
−HK$198/mo
Today · 4.125%
HK$7,664
baseline
▲ 0.50% · 4.625%
HK$8,068
+HK$404/mo
Deposit HK$614K · loan HK$1.43M · min. income ≈ HK$15,328/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,404
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,665
−HK$266/mo
Today · 4.125%
HK$8,931
baseline
▲ 0.50% · 4.625%
HK$9,474
+HK$543/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$17,862/mo (50% DSR)
Upfront cash ≈ HK$205K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,349
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,600
−HK$254/mo
Today · 4.125%
HK$9,854
baseline
▲ 0.50% · 4.625%
HK$10,373
+HK$519/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$19,708/mo (50% DSR)
Upfront cash ≈ HK$205K (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).