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$4,760
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,908
−HK$150/mo
Today · 4.125%
HK$5,058
baseline
▲ 0.50% · 4.625%
HK$5,366
+HK$308/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,116/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,295
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,437
−HK$144/mo
Today · 4.125%
HK$5,581
baseline
▲ 0.50% · 4.625%
HK$5,875
+HK$294/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,162/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,712
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,889
−HK$181/mo
Today · 4.125%
HK$6,070
baseline
▲ 0.50% · 4.625%
HK$6,439
+HK$369/mo
Deposit HK$835K · loan HK$1.25M · min. income ≈ HK$12,140/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,354
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,524
−HK$173/mo
Today · 4.125%
HK$6,697
baseline
▲ 0.50% · 4.625%
HK$7,050
+HK$353/mo
Deposit HK$835K · loan HK$1.25M · min. income ≈ HK$13,394/mo (50% DSR)
Upfront cash ≈ HK$835K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,664
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,871
−HK$210/mo
Today · 4.125%
HK$7,081
baseline
▲ 0.50% · 4.625%
HK$7,512
+HK$431/mo
Deposit HK$626K · loan HK$1.46M · min. income ≈ HK$14,162/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,413
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,612
−HK$202/mo
Today · 4.125%
HK$7,814
baseline
▲ 0.50% · 4.625%
HK$8,225
+HK$411/mo
Deposit HK$626K · loan HK$1.46M · min. income ≈ HK$15,628/mo (50% DSR)
Upfront cash ≈ HK$626K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,567
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,834
−HK$271/mo
Today · 4.125%
HK$9,105
baseline
▲ 0.50% · 4.625%
HK$9,659
+HK$554/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$18,210/mo (50% DSR)
Upfront cash ≈ HK$209K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,531
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,787
−HK$259/mo
Today · 4.125%
HK$10,046
baseline
▲ 0.50% · 4.625%
HK$10,576
+HK$530/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$20,092/mo (50% DSR)
Upfront cash ≈ HK$209K (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).