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$4,776
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,925
−HK$150/mo
Today · 4.125%
HK$5,075
baseline
▲ 0.50% · 4.625%
HK$5,384
+HK$309/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,150/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,313
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,456
−HK$144/mo
Today · 4.125%
HK$5,600
baseline
▲ 0.50% · 4.625%
HK$5,895
+HK$295/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,200/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,731
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,909
−HK$182/mo
Today · 4.125%
HK$6,091
baseline
▲ 0.50% · 4.625%
HK$6,461
+HK$370/mo
Deposit HK$838K · loan HK$1.26M · min. income ≈ HK$12,182/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,376
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,547
−HK$173/mo
Today · 4.125%
HK$6,720
baseline
▲ 0.50% · 4.625%
HK$7,075
+HK$355/mo
Deposit HK$838K · loan HK$1.26M · min. income ≈ HK$13,440/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,686
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,894
−HK$212/mo
Today · 4.125%
HK$7,106
baseline
▲ 0.50% · 4.625%
HK$7,538
+HK$432/mo
Deposit HK$628K · loan HK$1.47M · min. income ≈ HK$14,212/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,439
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,638
−HK$202/mo
Today · 4.125%
HK$7,840
baseline
▲ 0.50% · 4.625%
HK$8,254
+HK$414/mo
Deposit HK$628K · loan HK$1.47M · min. income ≈ HK$15,680/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,597
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,864
−HK$272/mo
Today · 4.125%
HK$9,136
baseline
▲ 0.50% · 4.625%
HK$9,692
+HK$556/mo
Deposit HK$209K · loan HK$1.89M · min. income ≈ HK$18,272/mo (50% DSR)
Upfront cash ≈ HK$210K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,564
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,820
−HK$261/mo
Today · 4.125%
HK$10,081
baseline
▲ 0.50% · 4.625%
HK$10,612
+HK$531/mo
Deposit HK$209K · loan HK$1.89M · min. income ≈ HK$20,162/mo (50% DSR)
Upfront cash ≈ HK$210K (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).