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$4,958
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,113
−HK$156/mo
Today · 4.125%
HK$5,269
baseline
▲ 0.50% · 4.625%
HK$5,590
+HK$321/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,538/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,516
−HK$298/mo
▼ 0.25% · 3.875%
HK$5,664
−HK$150/mo
Today · 4.125%
HK$5,814
baseline
▲ 0.50% · 4.625%
HK$6,121
+HK$307/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,628/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,950
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,135
−HK$188/mo
Today · 4.125%
HK$6,323
baseline
▲ 0.50% · 4.625%
HK$6,708
+HK$385/mo
Deposit HK$870K · loan HK$1.30M · min. income ≈ HK$12,646/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,619
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,797
−HK$180/mo
Today · 4.125%
HK$6,977
baseline
▲ 0.50% · 4.625%
HK$7,345
+HK$368/mo
Deposit HK$870K · loan HK$1.30M · min. income ≈ HK$13,954/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,942
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,158
−HK$219/mo
Today · 4.125%
HK$7,377
baseline
▲ 0.50% · 4.625%
HK$7,826
+HK$449/mo
Deposit HK$652K · loan HK$1.52M · min. income ≈ HK$14,754/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,723
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,930
−HK$210/mo
Today · 4.125%
HK$8,140
baseline
▲ 0.50% · 4.625%
HK$8,569
+HK$429/mo
Deposit HK$652K · loan HK$1.52M · min. income ≈ HK$16,280/mo (50% DSR)
Upfront cash ≈ HK$652K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,925
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,203
−HK$282/mo
Today · 4.125%
HK$9,485
baseline
▲ 0.50% · 4.625%
HK$10,062
+HK$577/mo
Deposit HK$217K · loan HK$1.96M · min. income ≈ HK$18,970/mo (50% DSR)
Upfront cash ≈ HK$218K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,929
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,195
−HK$270/mo
Today · 4.125%
HK$10,465
baseline
▲ 0.50% · 4.625%
HK$11,017
+HK$552/mo
Deposit HK$217K · loan HK$1.96M · min. income ≈ HK$20,930/mo (50% DSR)
Upfront cash ≈ HK$218K (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).