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$4,899
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,051
−HK$155/mo
Today · 4.125%
HK$5,206
baseline
▲ 0.50% · 4.625%
HK$5,523
+HK$317/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,412/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$5,450
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,596
−HK$149/mo
Today · 4.125%
HK$5,745
baseline
▲ 0.50% · 4.625%
HK$6,047
+HK$302/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,490/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$5,879
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,062
−HK$185/mo
Today · 4.125%
HK$6,247
baseline
▲ 0.50% · 4.625%
HK$6,628
+HK$381/mo
Deposit HK$859K · loan HK$1.29M · min. income ≈ HK$12,494/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,540
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,716
−HK$177/mo
Today · 4.125%
HK$6,893
baseline
▲ 0.50% · 4.625%
HK$7,257
+HK$364/mo
Deposit HK$859K · loan HK$1.29M · min. income ≈ HK$13,786/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,859
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,072
−HK$217/mo
Today · 4.125%
HK$7,289
baseline
▲ 0.50% · 4.625%
HK$7,732
+HK$443/mo
Deposit HK$645K · loan HK$1.50M · min. income ≈ HK$14,578/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,630
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,835
−HK$207/mo
Today · 4.125%
HK$8,042
baseline
▲ 0.50% · 4.625%
HK$8,466
+HK$424/mo
Deposit HK$645K · loan HK$1.50M · min. income ≈ HK$16,084/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,818
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,092
−HK$279/mo
Today · 4.125%
HK$9,371
baseline
▲ 0.50% · 4.625%
HK$9,941
+HK$570/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$18,742/mo (50% DSR)
Upfront cash ≈ HK$215K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,810
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,073
−HK$267/mo
Today · 4.125%
HK$10,340
baseline
▲ 0.50% · 4.625%
HK$10,885
+HK$545/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$20,680/mo (50% DSR)
Upfront cash ≈ HK$215K (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).