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$4,922
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,075
−HK$156/mo
Today · 4.125%
HK$5,231
baseline
▲ 0.50% · 4.625%
HK$5,549
+HK$318/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,462/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,476
−HK$296/mo
▼ 0.25% · 3.875%
HK$5,623
−HK$149/mo
Today · 4.125%
HK$5,772
baseline
▲ 0.50% · 4.625%
HK$6,076
+HK$304/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,544/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,906
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,090
−HK$187/mo
Today · 4.125%
HK$6,277
baseline
▲ 0.50% · 4.625%
HK$6,659
+HK$382/mo
Deposit HK$863K · loan HK$1.30M · min. income ≈ HK$12,554/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,571
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,747
−HK$179/mo
Today · 4.125%
HK$6,926
baseline
▲ 0.50% · 4.625%
HK$7,291
+HK$365/mo
Deposit HK$863K · loan HK$1.30M · min. income ≈ HK$13,852/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,891
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,105
−HK$218/mo
Today · 4.125%
HK$7,323
baseline
▲ 0.50% · 4.625%
HK$7,768
+HK$445/mo
Deposit HK$648K · loan HK$1.51M · min. income ≈ HK$14,646/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,666
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,872
−HK$208/mo
Today · 4.125%
HK$8,080
baseline
▲ 0.50% · 4.625%
HK$8,506
+HK$426/mo
Deposit HK$648K · loan HK$1.51M · min. income ≈ HK$16,160/mo (50% DSR)
Upfront cash ≈ HK$648K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,860
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,135
−HK$280/mo
Today · 4.125%
HK$9,415
baseline
▲ 0.50% · 4.625%
HK$9,988
+HK$573/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$18,830/mo (50% DSR)
Upfront cash ≈ HK$216K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,856
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,121
−HK$268/mo
Today · 4.125%
HK$10,389
baseline
▲ 0.50% · 4.625%
HK$10,936
+HK$547/mo
Deposit HK$216K · loan HK$1.94M · min. income ≈ HK$20,778/mo (50% DSR)
Upfront cash ≈ HK$216K (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).