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$4,927
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,081
−HK$155/mo
Today · 4.125%
HK$5,236
baseline
▲ 0.50% · 4.625%
HK$5,555
+HK$319/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,472/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$5,482
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,629
−HK$149/mo
Today · 4.125%
HK$5,778
baseline
▲ 0.50% · 4.625%
HK$6,082
+HK$304/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,556/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$5,913
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,097
−HK$187/mo
Today · 4.125%
HK$6,284
baseline
▲ 0.50% · 4.625%
HK$6,666
+HK$382/mo
Deposit HK$864K · loan HK$1.30M · min. income ≈ HK$12,568/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,578
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,754
−HK$179/mo
Today · 4.125%
HK$6,933
baseline
▲ 0.50% · 4.625%
HK$7,299
+HK$366/mo
Deposit HK$864K · loan HK$1.30M · min. income ≈ HK$13,866/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,898
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,113
−HK$218/mo
Today · 4.125%
HK$7,331
baseline
▲ 0.50% · 4.625%
HK$7,777
+HK$446/mo
Deposit HK$648K · loan HK$1.51M · min. income ≈ HK$14,662/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,674
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,880
−HK$209/mo
Today · 4.125%
HK$8,089
baseline
▲ 0.50% · 4.625%
HK$8,515
+HK$426/mo
Deposit HK$648K · loan HK$1.51M · min. income ≈ HK$16,178/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,869
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,145
−HK$280/mo
Today · 4.125%
HK$9,425
baseline
▲ 0.50% · 4.625%
HK$9,999
+HK$574/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$18,850/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$9,867
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,131
−HK$269/mo
Today · 4.125%
HK$10,400
baseline
▲ 0.50% · 4.625%
HK$10,948
+HK$548/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$20,800/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).