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$4,857
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,008
−HK$154/mo
Today · 4.125%
HK$5,162
baseline
▲ 0.50% · 4.625%
HK$5,476
+HK$314/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,324/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,404
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,549
−HK$147/mo
Today · 4.125%
HK$5,696
baseline
▲ 0.50% · 4.625%
HK$5,996
+HK$300/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,392/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,829
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,010
−HK$184/mo
Today · 4.125%
HK$6,194
baseline
▲ 0.50% · 4.625%
HK$6,571
+HK$377/mo
Deposit HK$852K · loan HK$1.28M · min. income ≈ HK$12,388/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$6,484
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,658
−HK$177/mo
Today · 4.125%
HK$6,835
baseline
▲ 0.50% · 4.625%
HK$7,195
+HK$360/mo
Deposit HK$852K · loan HK$1.28M · min. income ≈ HK$13,670/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$6,800
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,012
−HK$215/mo
Today · 4.125%
HK$7,227
baseline
▲ 0.50% · 4.625%
HK$7,666
+HK$439/mo
Deposit HK$639K · loan HK$1.49M · min. income ≈ HK$14,454/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$7,565
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,768
−HK$206/mo
Today · 4.125%
HK$7,974
baseline
▲ 0.50% · 4.625%
HK$8,394
+HK$420/mo
Deposit HK$639K · loan HK$1.49M · min. income ≈ HK$15,948/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$8,743
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,015
−HK$276/mo
Today · 4.125%
HK$9,291
baseline
▲ 0.50% · 4.625%
HK$9,857
+HK$566/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$18,582/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$9,726
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,987
−HK$265/mo
Today · 4.125%
HK$10,252
baseline
▲ 0.50% · 4.625%
HK$10,792
+HK$540/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$20,504/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).