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$4,854
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,005
−HK$153/mo
Today · 4.125%
HK$5,158
baseline
▲ 0.50% · 4.625%
HK$5,472
+HK$314/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,316/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,400
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,545
−HK$147/mo
Today · 4.125%
HK$5,692
baseline
▲ 0.50% · 4.625%
HK$5,992
+HK$300/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,384/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,825
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,006
−HK$184/mo
Today · 4.125%
HK$6,190
baseline
▲ 0.50% · 4.625%
HK$6,567
+HK$377/mo
Deposit HK$851K · loan HK$1.28M · min. income ≈ HK$12,380/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,480
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,654
−HK$176/mo
Today · 4.125%
HK$6,830
baseline
▲ 0.50% · 4.625%
HK$7,190
+HK$360/mo
Deposit HK$851K · loan HK$1.28M · min. income ≈ HK$13,660/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,795
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,007
−HK$215/mo
Today · 4.125%
HK$7,222
baseline
▲ 0.50% · 4.625%
HK$7,661
+HK$439/mo
Deposit HK$639K · loan HK$1.49M · min. income ≈ HK$14,444/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,560
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,763
−HK$205/mo
Today · 4.125%
HK$7,968
baseline
▲ 0.50% · 4.625%
HK$8,388
+HK$420/mo
Deposit HK$639K · loan HK$1.49M · min. income ≈ HK$15,936/mo (50% DSR)
Upfront cash ≈ HK$639K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,737
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,009
−HK$276/mo
Today · 4.125%
HK$9,285
baseline
▲ 0.50% · 4.625%
HK$9,850
+HK$565/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$18,570/mo (50% DSR)
Upfront cash ≈ HK$213K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,720
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,981
−HK$264/mo
Today · 4.125%
HK$10,245
baseline
▲ 0.50% · 4.625%
HK$10,785
+HK$540/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$20,490/mo (50% DSR)
Upfront cash ≈ HK$213K (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).