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$4,633
−HK$291/mo
▼ 0.25% · 3.875%
HK$4,777
−HK$147/mo
Today · 4.125%
HK$4,924
baseline
▲ 0.50% · 4.625%
HK$5,223
+HK$299/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,848/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$5,154
−HK$279/mo
▼ 0.25% · 3.875%
HK$5,293
−HK$140/mo
Today · 4.125%
HK$5,433
baseline
▲ 0.50% · 4.625%
HK$5,719
+HK$286/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,866/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$5,560
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,733
−HK$176/mo
Today · 4.125%
HK$5,909
baseline
▲ 0.50% · 4.625%
HK$6,268
+HK$359/mo
Deposit HK$813K · loan HK$1.22M · min. income ≈ HK$11,818/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,185
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,351
−HK$169/mo
Today · 4.125%
HK$6,520
baseline
▲ 0.50% · 4.625%
HK$6,863
+HK$343/mo
Deposit HK$813K · loan HK$1.22M · min. income ≈ HK$13,040/mo (50% DSR)
Upfront cash ≈ HK$813K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,487
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,688
−HK$205/mo
Today · 4.125%
HK$6,893
baseline
▲ 0.50% · 4.625%
HK$7,313
+HK$420/mo
Deposit HK$610K · loan HK$1.42M · min. income ≈ HK$13,786/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,216
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,410
−HK$196/mo
Today · 4.125%
HK$7,606
baseline
▲ 0.50% · 4.625%
HK$8,007
+HK$401/mo
Deposit HK$610K · loan HK$1.42M · min. income ≈ HK$15,212/mo (50% DSR)
Upfront cash ≈ HK$610K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,340
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,599
−HK$264/mo
Today · 4.125%
HK$8,863
baseline
▲ 0.50% · 4.625%
HK$9,402
+HK$539/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$17,726/mo (50% DSR)
Upfront cash ≈ HK$203K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,278
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,527
−HK$252/mo
Today · 4.125%
HK$9,779
baseline
▲ 0.50% · 4.625%
HK$10,295
+HK$516/mo
Deposit HK$203K · loan HK$1.83M · min. income ≈ HK$19,558/mo (50% DSR)
Upfront cash ≈ HK$203K (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).