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$4,671
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,816
−HK$148/mo
Today · 4.125%
HK$4,964
baseline
▲ 0.50% · 4.625%
HK$5,266
+HK$302/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,928/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$5,196
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,336
−HK$141/mo
Today · 4.125%
HK$5,477
baseline
▲ 0.50% · 4.625%
HK$5,766
+HK$289/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,954/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$5,605
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,779
−HK$177/mo
Today · 4.125%
HK$5,956
baseline
▲ 0.50% · 4.625%
HK$6,319
+HK$363/mo
Deposit HK$819K · loan HK$1.23M · min. income ≈ HK$11,912/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$6,235
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,403
−HK$169/mo
Today · 4.125%
HK$6,572
baseline
▲ 0.50% · 4.625%
HK$6,919
+HK$347/mo
Deposit HK$819K · loan HK$1.23M · min. income ≈ HK$13,144/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$6,539
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,742
−HK$207/mo
Today · 4.125%
HK$6,949
baseline
▲ 0.50% · 4.625%
HK$7,372
+HK$423/mo
Deposit HK$615K · loan HK$1.43M · min. income ≈ HK$13,898/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,275
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,470
−HK$198/mo
Today · 4.125%
HK$7,668
baseline
▲ 0.50% · 4.625%
HK$8,072
+HK$404/mo
Deposit HK$615K · loan HK$1.43M · min. income ≈ HK$15,336/mo (50% DSR)
Upfront cash ≈ HK$615K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,407
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,669
−HK$266/mo
Today · 4.125%
HK$8,935
baseline
▲ 0.50% · 4.625%
HK$9,478
+HK$543/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$17,870/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$9,353
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,604
−HK$254/mo
Today · 4.125%
HK$9,858
baseline
▲ 0.50% · 4.625%
HK$10,378
+HK$520/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$19,716/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).