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$4,767
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,915
−HK$151/mo
Today · 4.125%
HK$5,066
baseline
▲ 0.50% · 4.625%
HK$5,374
+HK$308/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,132/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$5,303
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,445
−HK$145/mo
Today · 4.125%
HK$5,590
baseline
▲ 0.50% · 4.625%
HK$5,884
+HK$294/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,180/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$5,720
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,898
−HK$181/mo
Today · 4.125%
HK$6,079
baseline
▲ 0.50% · 4.625%
HK$6,449
+HK$370/mo
Deposit HK$836K · loan HK$1.25M · min. income ≈ HK$12,158/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,364
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,534
−HK$174/mo
Today · 4.125%
HK$6,708
baseline
▲ 0.50% · 4.625%
HK$7,061
+HK$353/mo
Deposit HK$836K · loan HK$1.25M · min. income ≈ HK$13,416/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,674
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,881
−HK$211/mo
Today · 4.125%
HK$7,092
baseline
▲ 0.50% · 4.625%
HK$7,524
+HK$432/mo
Deposit HK$627K · loan HK$1.46M · min. income ≈ HK$14,184/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,424
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,624
−HK$202/mo
Today · 4.125%
HK$7,826
baseline
▲ 0.50% · 4.625%
HK$8,238
+HK$412/mo
Deposit HK$627K · loan HK$1.46M · min. income ≈ HK$15,652/mo (50% DSR)
Upfront cash ≈ HK$627K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,580
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,847
−HK$272/mo
Today · 4.125%
HK$9,119
baseline
▲ 0.50% · 4.625%
HK$9,673
+HK$554/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$18,238/mo (50% DSR)
Upfront cash ≈ HK$209K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,546
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,802
−HK$259/mo
Today · 4.125%
HK$10,061
baseline
▲ 0.50% · 4.625%
HK$10,592
+HK$531/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$20,122/mo (50% DSR)
Upfront cash ≈ HK$209K (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).