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$4,948
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,102
−HK$156/mo
Today · 4.125%
HK$5,258
baseline
▲ 0.50% · 4.625%
HK$5,578
+HK$320/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,516/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,505
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,652
−HK$150/mo
Today · 4.125%
HK$5,802
baseline
▲ 0.50% · 4.625%
HK$6,108
+HK$306/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,604/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,938
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,122
−HK$188/mo
Today · 4.125%
HK$6,310
baseline
▲ 0.50% · 4.625%
HK$6,694
+HK$384/mo
Deposit HK$868K · loan HK$1.30M · min. income ≈ HK$12,620/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,606
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,783
−HK$179/mo
Today · 4.125%
HK$6,962
baseline
▲ 0.50% · 4.625%
HK$7,329
+HK$367/mo
Deposit HK$868K · loan HK$1.30M · min. income ≈ HK$13,924/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,927
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,143
−HK$219/mo
Today · 4.125%
HK$7,362
baseline
▲ 0.50% · 4.625%
HK$7,810
+HK$448/mo
Deposit HK$651K · loan HK$1.52M · min. income ≈ HK$14,724/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,707
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,913
−HK$210/mo
Today · 4.125%
HK$8,123
baseline
▲ 0.50% · 4.625%
HK$8,551
+HK$428/mo
Deposit HK$651K · loan HK$1.52M · min. income ≈ HK$16,246/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,907
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,184
−HK$281/mo
Today · 4.125%
HK$9,465
baseline
▲ 0.50% · 4.625%
HK$10,041
+HK$576/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$18,930/mo (50% DSR)
Upfront cash ≈ HK$217K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,908
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,174
−HK$270/mo
Today · 4.125%
HK$10,444
baseline
▲ 0.50% · 4.625%
HK$10,994
+HK$550/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$20,888/mo (50% DSR)
Upfront cash ≈ HK$217K (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).