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$4,920
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,073
−HK$156/mo
Today · 4.125%
HK$5,229
baseline
▲ 0.50% · 4.625%
HK$5,547
+HK$318/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,458/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$5,474
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,621
−HK$149/mo
Today · 4.125%
HK$5,770
baseline
▲ 0.50% · 4.625%
HK$6,074
+HK$304/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,540/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$5,904
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,088
−HK$187/mo
Today · 4.125%
HK$6,275
baseline
▲ 0.50% · 4.625%
HK$6,656
+HK$381/mo
Deposit HK$863K · loan HK$1.29M · min. income ≈ HK$12,550/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,569
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,745
−HK$178/mo
Today · 4.125%
HK$6,923
baseline
▲ 0.50% · 4.625%
HK$7,288
+HK$365/mo
Deposit HK$863K · loan HK$1.29M · min. income ≈ HK$13,846/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,888
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,103
−HK$217/mo
Today · 4.125%
HK$7,320
baseline
▲ 0.50% · 4.625%
HK$7,766
+HK$446/mo
Deposit HK$647K · loan HK$1.51M · min. income ≈ HK$14,640/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,663
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,869
−HK$208/mo
Today · 4.125%
HK$8,077
baseline
▲ 0.50% · 4.625%
HK$8,503
+HK$426/mo
Deposit HK$647K · loan HK$1.51M · min. income ≈ HK$16,154/mo (50% DSR)
Upfront cash ≈ HK$647K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,857
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,132
−HK$280/mo
Today · 4.125%
HK$9,412
baseline
▲ 0.50% · 4.625%
HK$9,985
+HK$573/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$18,824/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$9,853
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,117
−HK$268/mo
Today · 4.125%
HK$10,385
baseline
▲ 0.50% · 4.625%
HK$10,933
+HK$548/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$20,770/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).