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$4,777
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,926
−HK$151/mo
Today · 4.125%
HK$5,077
baseline
▲ 0.50% · 4.625%
HK$5,386
+HK$309/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,154/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$5,315
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,457
−HK$145/mo
Today · 4.125%
HK$5,602
baseline
▲ 0.50% · 4.625%
HK$5,897
+HK$295/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,204/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$5,733
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,911
−HK$181/mo
Today · 4.125%
HK$6,092
baseline
▲ 0.50% · 4.625%
HK$6,463
+HK$371/mo
Deposit HK$838K · loan HK$1.26M · min. income ≈ HK$12,184/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$6,378
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,549
−HK$173/mo
Today · 4.125%
HK$6,722
baseline
▲ 0.50% · 4.625%
HK$7,076
+HK$354/mo
Deposit HK$838K · loan HK$1.26M · min. income ≈ HK$13,444/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$6,688
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,896
−HK$212/mo
Today · 4.125%
HK$7,108
baseline
▲ 0.50% · 4.625%
HK$7,540
+HK$432/mo
Deposit HK$629K · loan HK$1.47M · min. income ≈ HK$14,216/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,440
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,640
−HK$202/mo
Today · 4.125%
HK$7,842
baseline
▲ 0.50% · 4.625%
HK$8,256
+HK$414/mo
Deposit HK$629K · loan HK$1.47M · min. income ≈ HK$15,684/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,599
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,867
−HK$271/mo
Today · 4.125%
HK$9,138
baseline
▲ 0.50% · 4.625%
HK$9,694
+HK$556/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$18,276/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$9,566
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,823
−HK$260/mo
Today · 4.125%
HK$10,083
baseline
▲ 0.50% · 4.625%
HK$10,615
+HK$532/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$20,166/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).