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$4,865
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,017
−HK$153/mo
Today · 4.125%
HK$5,170
baseline
▲ 0.50% · 4.625%
HK$5,485
+HK$315/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,340/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$5,413
−HK$292/mo
▼ 0.25% · 3.875%
HK$5,558
−HK$147/mo
Today · 4.125%
HK$5,705
baseline
▲ 0.50% · 4.625%
HK$6,006
+HK$301/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,410/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$5,838
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,020
−HK$185/mo
Today · 4.125%
HK$6,205
baseline
▲ 0.50% · 4.625%
HK$6,582
+HK$377/mo
Deposit HK$853K · loan HK$1.28M · min. income ≈ HK$12,410/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,495
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,669
−HK$177/mo
Today · 4.125%
HK$6,846
baseline
▲ 0.50% · 4.625%
HK$7,207
+HK$361/mo
Deposit HK$853K · loan HK$1.28M · min. income ≈ HK$13,692/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,812
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,023
−HK$216/mo
Today · 4.125%
HK$7,239
baseline
▲ 0.50% · 4.625%
HK$7,679
+HK$440/mo
Deposit HK$640K · loan HK$1.49M · min. income ≈ HK$14,478/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,578
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,781
−HK$206/mo
Today · 4.125%
HK$7,987
baseline
▲ 0.50% · 4.625%
HK$8,408
+HK$421/mo
Deposit HK$640K · loan HK$1.49M · min. income ≈ HK$15,974/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,758
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,030
−HK$277/mo
Today · 4.125%
HK$9,307
baseline
▲ 0.50% · 4.625%
HK$9,873
+HK$566/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$18,614/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$9,743
−HK$526/mo
▼ 0.25% · 3.875%
HK$10,004
−HK$265/mo
Today · 4.125%
HK$10,269
baseline
▲ 0.50% · 4.625%
HK$10,811
+HK$542/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$20,538/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).