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$4,805
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,955
−HK$152/mo
Today · 4.125%
HK$5,107
baseline
▲ 0.50% · 4.625%
HK$5,417
+HK$310/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,214/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$5,346
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,489
−HK$146/mo
Today · 4.125%
HK$5,635
baseline
▲ 0.50% · 4.625%
HK$5,932
+HK$297/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,270/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$5,766
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,946
−HK$182/mo
Today · 4.125%
HK$6,128
baseline
▲ 0.50% · 4.625%
HK$6,501
+HK$373/mo
Deposit HK$843K · loan HK$1.26M · min. income ≈ HK$12,256/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$6,415
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,587
−HK$175/mo
Today · 4.125%
HK$6,762
baseline
▲ 0.50% · 4.625%
HK$7,118
+HK$356/mo
Deposit HK$843K · loan HK$1.26M · min. income ≈ HK$13,524/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$6,727
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,937
−HK$212/mo
Today · 4.125%
HK$7,149
baseline
▲ 0.50% · 4.625%
HK$7,584
+HK$435/mo
Deposit HK$632K · loan HK$1.48M · min. income ≈ HK$14,298/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$7,484
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,685
−HK$204/mo
Today · 4.125%
HK$7,889
baseline
▲ 0.50% · 4.625%
HK$8,304
+HK$415/mo
Deposit HK$632K · loan HK$1.48M · min. income ≈ HK$15,778/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$8,650
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,919
−HK$273/mo
Today · 4.125%
HK$9,192
baseline
▲ 0.50% · 4.625%
HK$9,751
+HK$559/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$18,384/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$9,623
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,881
−HK$261/mo
Today · 4.125%
HK$10,142
baseline
▲ 0.50% · 4.625%
HK$10,677
+HK$535/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$20,284/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).