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$4,913
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,065
−HK$156/mo
Today · 4.125%
HK$5,221
baseline
▲ 0.50% · 4.625%
HK$5,538
+HK$317/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,442/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,465
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,612
−HK$149/mo
Today · 4.125%
HK$5,761
baseline
▲ 0.50% · 4.625%
HK$6,064
+HK$303/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,522/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,895
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,079
−HK$186/mo
Today · 4.125%
HK$6,265
baseline
▲ 0.50% · 4.625%
HK$6,646
+HK$381/mo
Deposit HK$862K · loan HK$1.29M · min. income ≈ HK$12,530/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,558
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,734
−HK$179/mo
Today · 4.125%
HK$6,913
baseline
▲ 0.50% · 4.625%
HK$7,277
+HK$364/mo
Deposit HK$862K · loan HK$1.29M · min. income ≈ HK$13,826/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,878
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,092
−HK$217/mo
Today · 4.125%
HK$7,309
baseline
▲ 0.50% · 4.625%
HK$7,754
+HK$445/mo
Deposit HK$646K · loan HK$1.51M · min. income ≈ HK$14,618/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,651
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,857
−HK$208/mo
Today · 4.125%
HK$8,065
baseline
▲ 0.50% · 4.625%
HK$8,490
+HK$425/mo
Deposit HK$646K · loan HK$1.51M · min. income ≈ HK$16,130/mo (50% DSR)
Upfront cash ≈ HK$646K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,843
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,118
−HK$279/mo
Today · 4.125%
HK$9,397
baseline
▲ 0.50% · 4.625%
HK$9,969
+HK$572/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$18,794/mo (50% DSR)
Upfront cash ≈ HK$216K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,837
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,101
−HK$268/mo
Today · 4.125%
HK$10,369
baseline
▲ 0.50% · 4.625%
HK$10,915
+HK$546/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$20,738/mo (50% DSR)
Upfront cash ≈ HK$216K (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).