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$4,571
−HK$287/mo
▼ 0.25% · 3.875%
HK$4,714
−HK$144/mo
Today · 4.125%
HK$4,858
baseline
▲ 0.50% · 4.625%
HK$5,154
+HK$296/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$9,716/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$5,086
−HK$274/mo
▼ 0.25% · 3.875%
HK$5,222
−HK$138/mo
Today · 4.125%
HK$5,360
baseline
▲ 0.50% · 4.625%
HK$5,643
+HK$283/mo
Deposit HK$1.00M · loan HK$1.00M · min. income ≈ HK$10,720/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$5,486
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,656
−HK$174/mo
Today · 4.125%
HK$5,830
baseline
▲ 0.50% · 4.625%
HK$6,184
+HK$354/mo
Deposit HK$802K · loan HK$1.20M · min. income ≈ HK$11,660/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,103
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,266
−HK$166/mo
Today · 4.125%
HK$6,432
baseline
▲ 0.50% · 4.625%
HK$6,772
+HK$340/mo
Deposit HK$802K · loan HK$1.20M · min. income ≈ HK$12,864/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,400
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,599
−HK$202/mo
Today · 4.125%
HK$6,801
baseline
▲ 0.50% · 4.625%
HK$7,215
+HK$414/mo
Deposit HK$601K · loan HK$1.40M · min. income ≈ HK$13,602/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,120
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,311
−HK$194/mo
Today · 4.125%
HK$7,505
baseline
▲ 0.50% · 4.625%
HK$7,900
+HK$395/mo
Deposit HK$601K · loan HK$1.40M · min. income ≈ HK$15,010/mo (50% DSR)
Upfront cash ≈ HK$602K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,229
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,484
−HK$261/mo
Today · 4.125%
HK$8,745
baseline
▲ 0.50% · 4.625%
HK$9,277
+HK$532/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$17,490/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$9,154
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,400
−HK$249/mo
Today · 4.125%
HK$9,649
baseline
▲ 0.50% · 4.625%
HK$10,157
+HK$508/mo
Deposit HK$200K · loan HK$1.80M · min. income ≈ HK$19,298/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).