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$4,807
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,957
−HK$152/mo
Today · 4.125%
HK$5,109
baseline
▲ 0.50% · 4.625%
HK$5,419
+HK$310/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,218/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$5,348
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,491
−HK$146/mo
Today · 4.125%
HK$5,637
baseline
▲ 0.50% · 4.625%
HK$5,934
+HK$297/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,274/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$5,768
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,948
−HK$182/mo
Today · 4.125%
HK$6,130
baseline
▲ 0.50% · 4.625%
HK$6,503
+HK$373/mo
Deposit HK$843K · loan HK$1.26M · min. income ≈ HK$12,260/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$6,417
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,589
−HK$175/mo
Today · 4.125%
HK$6,764
baseline
▲ 0.50% · 4.625%
HK$7,121
+HK$357/mo
Deposit HK$843K · loan HK$1.26M · min. income ≈ HK$13,528/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$6,730
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,939
−HK$213/mo
Today · 4.125%
HK$7,152
baseline
▲ 0.50% · 4.625%
HK$7,587
+HK$435/mo
Deposit HK$632K · loan HK$1.48M · min. income ≈ HK$14,304/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,487
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,688
−HK$203/mo
Today · 4.125%
HK$7,891
baseline
▲ 0.50% · 4.625%
HK$8,307
+HK$416/mo
Deposit HK$632K · loan HK$1.48M · min. income ≈ HK$15,782/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,653
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,922
−HK$273/mo
Today · 4.125%
HK$9,195
baseline
▲ 0.50% · 4.625%
HK$9,755
+HK$560/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$18,390/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$9,626
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,884
−HK$262/mo
Today · 4.125%
HK$10,146
baseline
▲ 0.50% · 4.625%
HK$10,681
+HK$535/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$20,292/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).