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$4,895
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,048
−HK$154/mo
Today · 4.125%
HK$5,202
baseline
▲ 0.50% · 4.625%
HK$5,519
+HK$317/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,404/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,446
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,592
−HK$148/mo
Today · 4.125%
HK$5,740
baseline
▲ 0.50% · 4.625%
HK$6,043
+HK$303/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,480/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,874
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,057
−HK$186/mo
Today · 4.125%
HK$6,243
baseline
▲ 0.50% · 4.625%
HK$6,622
+HK$379/mo
Deposit HK$859K · loan HK$1.29M · min. income ≈ HK$12,486/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,535
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,710
−HK$178/mo
Today · 4.125%
HK$6,888
baseline
▲ 0.50% · 4.625%
HK$7,251
+HK$363/mo
Deposit HK$859K · loan HK$1.29M · min. income ≈ HK$13,776/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,853
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,067
−HK$216/mo
Today · 4.125%
HK$7,283
baseline
▲ 0.50% · 4.625%
HK$7,726
+HK$443/mo
Deposit HK$644K · loan HK$1.50M · min. income ≈ HK$14,566/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,624
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,829
−HK$207/mo
Today · 4.125%
HK$8,036
baseline
▲ 0.50% · 4.625%
HK$8,460
+HK$424/mo
Deposit HK$644K · loan HK$1.50M · min. income ≈ HK$16,072/mo (50% DSR)
Upfront cash ≈ HK$644K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,811
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,086
−HK$278/mo
Today · 4.125%
HK$9,364
baseline
▲ 0.50% · 4.625%
HK$9,934
+HK$570/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$18,728/mo (50% DSR)
Upfront cash ≈ HK$215K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,803
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,066
−HK$266/mo
Today · 4.125%
HK$10,332
baseline
▲ 0.50% · 4.625%
HK$10,877
+HK$545/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$20,664/mo (50% DSR)
Upfront cash ≈ HK$215K (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).