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$4,802
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,951
−HK$152/mo
Today · 4.125%
HK$5,103
baseline
▲ 0.50% · 4.625%
HK$5,414
+HK$311/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,206/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$5,342
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,485
−HK$146/mo
Today · 4.125%
HK$5,631
baseline
▲ 0.50% · 4.625%
HK$5,927
+HK$296/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,262/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$5,762
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,942
−HK$182/mo
Today · 4.125%
HK$6,124
baseline
▲ 0.50% · 4.625%
HK$6,496
+HK$372/mo
Deposit HK$842K · loan HK$1.26M · min. income ≈ HK$12,248/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,410
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,582
−HK$175/mo
Today · 4.125%
HK$6,757
baseline
▲ 0.50% · 4.625%
HK$7,113
+HK$356/mo
Deposit HK$842K · loan HK$1.26M · min. income ≈ HK$13,514/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,723
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,932
−HK$212/mo
Today · 4.125%
HK$7,144
baseline
▲ 0.50% · 4.625%
HK$7,579
+HK$435/mo
Deposit HK$632K · loan HK$1.47M · min. income ≈ HK$14,288/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,479
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,679
−HK$204/mo
Today · 4.125%
HK$7,883
baseline
▲ 0.50% · 4.625%
HK$8,298
+HK$415/mo
Deposit HK$632K · loan HK$1.47M · min. income ≈ HK$15,766/mo (50% DSR)
Upfront cash ≈ HK$632K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,643
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,912
−HK$273/mo
Today · 4.125%
HK$9,185
baseline
▲ 0.50% · 4.625%
HK$9,744
+HK$559/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$18,370/mo (50% DSR)
Upfront cash ≈ HK$211K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,616
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,874
−HK$261/mo
Today · 4.125%
HK$10,135
baseline
▲ 0.50% · 4.625%
HK$10,669
+HK$534/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$20,270/mo (50% DSR)
Upfront cash ≈ HK$211K (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).