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$4,804
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,954
−HK$151/mo
Today · 4.125%
HK$5,105
baseline
▲ 0.50% · 4.625%
HK$5,416
+HK$311/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,210/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$5,345
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,488
−HK$145/mo
Today · 4.125%
HK$5,633
baseline
▲ 0.50% · 4.625%
HK$5,930
+HK$297/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,266/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$5,765
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,944
−HK$183/mo
Today · 4.125%
HK$6,127
baseline
▲ 0.50% · 4.625%
HK$6,499
+HK$372/mo
Deposit HK$843K · loan HK$1.26M · min. income ≈ HK$12,254/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,414
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,586
−HK$174/mo
Today · 4.125%
HK$6,760
baseline
▲ 0.50% · 4.625%
HK$7,116
+HK$356/mo
Deposit HK$843K · loan HK$1.26M · min. income ≈ HK$13,520/mo (50% DSR)
Upfront cash ≈ HK$843K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,726
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,935
−HK$213/mo
Today · 4.125%
HK$7,148
baseline
▲ 0.50% · 4.625%
HK$7,583
+HK$435/mo
Deposit HK$632K · loan HK$1.47M · min. income ≈ HK$14,296/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$7,483
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,683
−HK$204/mo
Today · 4.125%
HK$7,887
baseline
▲ 0.50% · 4.625%
HK$8,302
+HK$415/mo
Deposit HK$632K · loan HK$1.47M · min. income ≈ HK$15,774/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$8,648
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,917
−HK$273/mo
Today · 4.125%
HK$9,190
baseline
▲ 0.50% · 4.625%
HK$9,749
+HK$559/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$18,380/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$9,620
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,878
−HK$262/mo
Today · 4.125%
HK$10,140
baseline
▲ 0.50% · 4.625%
HK$10,675
+HK$535/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$20,280/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).