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$5,066
−HK$155/mo
Today · 4.125%
HK$5,221
baseline
▲ 0.50% · 4.625%
HK$5,539
+HK$318/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$5,466
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,612
−HK$149/mo
Today · 4.125%
HK$5,761
baseline
▲ 0.50% · 4.625%
HK$6,065
+HK$304/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$5,896
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,079
−HK$186/mo
Today · 4.125%
HK$6,265
baseline
▲ 0.50% · 4.625%
HK$6,647
+HK$382/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$6,559
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,735
−HK$178/mo
Today · 4.125%
HK$6,913
baseline
▲ 0.50% · 4.625%
HK$7,278
+HK$365/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$432/mo
▼ 0.25% · 3.875%
HK$7,092
−HK$218/mo
Today · 4.125%
HK$7,310
baseline
▲ 0.50% · 4.625%
HK$7,754
+HK$444/mo
Deposit HK$646K · loan HK$1.51M · min. income ≈ HK$14,620/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$7,652
−HK$413/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$555/mo
▼ 0.25% · 3.875%
HK$9,118
−HK$280/mo
Today · 4.125%
HK$9,398
baseline
▲ 0.50% · 4.625%
HK$9,970
+HK$572/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$18,796/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$9,838
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,102
−HK$268/mo
Today · 4.125%
HK$10,370
baseline
▲ 0.50% · 4.625%
HK$10,916
+HK$546/mo
Deposit HK$215K · loan HK$1.94M · min. income ≈ HK$20,740/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).