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$4,847
−HK$304/mo
▼ 0.25% · 3.875%
HK$4,998
−HK$153/mo
Today · 4.125%
HK$5,151
baseline
▲ 0.50% · 4.625%
HK$5,465
+HK$314/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,302/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,393
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,537
−HK$147/mo
Today · 4.125%
HK$5,684
baseline
▲ 0.50% · 4.625%
HK$5,984
+HK$300/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,368/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,817
−HK$365/mo
▼ 0.25% · 3.875%
HK$5,998
−HK$184/mo
Today · 4.125%
HK$6,182
baseline
▲ 0.50% · 4.625%
HK$6,558
+HK$376/mo
Deposit HK$850K · loan HK$1.28M · min. income ≈ HK$12,364/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,471
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,645
−HK$176/mo
Today · 4.125%
HK$6,821
baseline
▲ 0.50% · 4.625%
HK$7,180
+HK$359/mo
Deposit HK$850K · loan HK$1.28M · min. income ≈ HK$13,642/mo (50% DSR)
Upfront cash ≈ HK$850K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,786
−HK$426/mo
▼ 0.25% · 3.875%
HK$6,998
−HK$214/mo
Today · 4.125%
HK$7,212
baseline
▲ 0.50% · 4.625%
HK$7,651
+HK$439/mo
Deposit HK$638K · loan HK$1.49M · min. income ≈ HK$14,424/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,550
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,752
−HK$206/mo
Today · 4.125%
HK$7,958
baseline
▲ 0.50% · 4.625%
HK$8,377
+HK$419/mo
Deposit HK$638K · loan HK$1.49M · min. income ≈ HK$15,916/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,725
−HK$548/mo
▼ 0.25% · 3.875%
HK$8,997
−HK$276/mo
Today · 4.125%
HK$9,273
baseline
▲ 0.50% · 4.625%
HK$9,837
+HK$564/mo
Deposit HK$213K · loan HK$1.91M · min. income ≈ HK$18,546/mo (50% DSR)
Upfront cash ≈ HK$213K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,707
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,967
−HK$264/mo
Today · 4.125%
HK$10,231
baseline
▲ 0.50% · 4.625%
HK$10,771
+HK$540/mo
Deposit HK$213K · loan HK$1.91M · min. income ≈ HK$20,462/mo (50% DSR)
Upfront cash ≈ HK$213K (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).