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$4,939
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,092
−HK$157/mo
Today · 4.125%
HK$5,249
baseline
▲ 0.50% · 4.625%
HK$5,568
+HK$319/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$10,498/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$5,494
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,642
−HK$149/mo
Today · 4.125%
HK$5,791
baseline
▲ 0.50% · 4.625%
HK$6,097
+HK$306/mo
Deposit HK$1.08M · loan HK$1.08M · min. income ≈ HK$11,582/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$5,927
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,111
−HK$187/mo
Today · 4.125%
HK$6,298
baseline
▲ 0.50% · 4.625%
HK$6,681
+HK$383/mo
Deposit HK$866K · loan HK$1.30M · min. income ≈ HK$12,596/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,593
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,770
−HK$179/mo
Today · 4.125%
HK$6,949
baseline
▲ 0.50% · 4.625%
HK$7,316
+HK$367/mo
Deposit HK$866K · loan HK$1.30M · min. income ≈ HK$13,898/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,914
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,129
−HK$219/mo
Today · 4.125%
HK$7,348
baseline
▲ 0.50% · 4.625%
HK$7,795
+HK$447/mo
Deposit HK$650K · loan HK$1.52M · min. income ≈ HK$14,696/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,692
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,898
−HK$210/mo
Today · 4.125%
HK$8,108
baseline
▲ 0.50% · 4.625%
HK$8,535
+HK$427/mo
Deposit HK$650K · loan HK$1.52M · min. income ≈ HK$16,216/mo (50% DSR)
Upfront cash ≈ HK$650K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,890
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,166
−HK$281/mo
Today · 4.125%
HK$9,447
baseline
▲ 0.50% · 4.625%
HK$10,022
+HK$575/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$18,894/mo (50% DSR)
Upfront cash ≈ HK$217K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,890
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,155
−HK$269/mo
Today · 4.125%
HK$10,424
baseline
▲ 0.50% · 4.625%
HK$10,974
+HK$550/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$20,848/mo (50% DSR)
Upfront cash ≈ HK$217K (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).