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$4,731
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,878
−HK$149/mo
Today · 4.125%
HK$5,027
baseline
▲ 0.50% · 4.625%
HK$5,333
+HK$306/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$10,054/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,263
−HK$284/mo
▼ 0.25% · 3.875%
HK$5,404
−HK$143/mo
Today · 4.125%
HK$5,547
baseline
▲ 0.50% · 4.625%
HK$5,840
+HK$293/mo
Deposit HK$1.04M · loan HK$1.04M · min. income ≈ HK$11,094/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,677
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,853
−HK$180/mo
Today · 4.125%
HK$6,033
baseline
▲ 0.50% · 4.625%
HK$6,400
+HK$367/mo
Deposit HK$830K · loan HK$1.24M · min. income ≈ HK$12,066/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,315
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,485
−HK$172/mo
Today · 4.125%
HK$6,657
baseline
▲ 0.50% · 4.625%
HK$7,008
+HK$351/mo
Deposit HK$830K · loan HK$1.24M · min. income ≈ HK$13,314/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,623
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,829
−HK$209/mo
Today · 4.125%
HK$7,038
baseline
▲ 0.50% · 4.625%
HK$7,467
+HK$429/mo
Deposit HK$622K · loan HK$1.45M · min. income ≈ HK$14,076/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,368
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,566
−HK$200/mo
Today · 4.125%
HK$7,766
baseline
▲ 0.50% · 4.625%
HK$8,175
+HK$409/mo
Deposit HK$622K · loan HK$1.45M · min. income ≈ HK$15,532/mo (50% DSR)
Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,515
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,780
−HK$269/mo
Today · 4.125%
HK$9,049
baseline
▲ 0.50% · 4.625%
HK$9,600
+HK$551/mo
Deposit HK$207K · loan HK$1.87M · min. income ≈ HK$18,098/mo (50% DSR)
Upfront cash ≈ HK$208K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,473
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,727
−HK$258/mo
Today · 4.125%
HK$9,985
baseline
▲ 0.50% · 4.625%
HK$10,511
+HK$526/mo
Deposit HK$207K · loan HK$1.87M · min. income ≈ HK$19,970/mo (50% DSR)
Upfront cash ≈ HK$208K (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).