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$4,672
−HK$293/mo
▼ 0.25% · 3.875%
HK$4,817
−HK$148/mo
Today · 4.125%
HK$4,965
baseline
▲ 0.50% · 4.625%
HK$5,267
+HK$302/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$9,930/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$5,197
−HK$281/mo
▼ 0.25% · 3.875%
HK$5,337
−HK$141/mo
Today · 4.125%
HK$5,478
baseline
▲ 0.50% · 4.625%
HK$5,767
+HK$289/mo
Deposit HK$1.02M · loan HK$1.02M · min. income ≈ HK$10,956/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$5,606
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,780
−HK$177/mo
Today · 4.125%
HK$5,957
baseline
▲ 0.50% · 4.625%
HK$6,320
+HK$363/mo
Deposit HK$819K · loan HK$1.23M · min. income ≈ HK$11,914/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,237
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,404
−HK$170/mo
Today · 4.125%
HK$6,574
baseline
▲ 0.50% · 4.625%
HK$6,920
+HK$346/mo
Deposit HK$819K · loan HK$1.23M · min. income ≈ HK$13,148/mo (50% DSR)
Upfront cash ≈ HK$820K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,540
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,744
−HK$206/mo
Today · 4.125%
HK$6,950
baseline
▲ 0.50% · 4.625%
HK$7,373
+HK$423/mo
Deposit HK$615K · loan HK$1.43M · min. income ≈ HK$13,900/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$7,276
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,471
−HK$198/mo
Today · 4.125%
HK$7,669
baseline
▲ 0.50% · 4.625%
HK$8,073
+HK$404/mo
Deposit HK$615K · loan HK$1.43M · min. income ≈ HK$15,338/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$8,409
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,670
−HK$266/mo
Today · 4.125%
HK$8,936
baseline
▲ 0.50% · 4.625%
HK$9,480
+HK$544/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$17,872/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$9,355
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,606
−HK$254/mo
Today · 4.125%
HK$9,860
baseline
▲ 0.50% · 4.625%
HK$10,380
+HK$520/mo
Deposit HK$205K · loan HK$1.84M · min. income ≈ HK$19,720/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).