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$4,956
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,110
−HK$157/mo
Today · 4.125%
HK$5,267
baseline
▲ 0.50% · 4.625%
HK$5,587
+HK$320/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,534/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$5,514
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,661
−HK$150/mo
Today · 4.125%
HK$5,811
baseline
▲ 0.50% · 4.625%
HK$6,118
+HK$307/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,622/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$5,947
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,132
−HK$188/mo
Today · 4.125%
HK$6,320
baseline
▲ 0.50% · 4.625%
HK$6,705
+HK$385/mo
Deposit HK$869K · loan HK$1.30M · min. income ≈ HK$12,640/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,616
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,794
−HK$180/mo
Today · 4.125%
HK$6,974
baseline
▲ 0.50% · 4.625%
HK$7,341
+HK$367/mo
Deposit HK$869K · loan HK$1.30M · min. income ≈ HK$13,948/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,938
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,154
−HK$220/mo
Today · 4.125%
HK$7,374
baseline
▲ 0.50% · 4.625%
HK$7,822
+HK$448/mo
Deposit HK$652K · loan HK$1.52M · min. income ≈ HK$14,748/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,719
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,926
−HK$210/mo
Today · 4.125%
HK$8,136
baseline
▲ 0.50% · 4.625%
HK$8,565
+HK$429/mo
Deposit HK$652K · loan HK$1.52M · min. income ≈ HK$16,272/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,921
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,198
−HK$282/mo
Today · 4.125%
HK$9,480
baseline
▲ 0.50% · 4.625%
HK$10,057
+HK$577/mo
Deposit HK$217K · loan HK$1.96M · min. income ≈ HK$18,960/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$9,924
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,191
−HK$270/mo
Today · 4.125%
HK$10,461
baseline
▲ 0.50% · 4.625%
HK$11,012
+HK$551/mo
Deposit HK$217K · loan HK$1.96M · min. income ≈ HK$20,922/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).