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$4,902
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,055
−HK$155/mo
Today · 4.125%
HK$5,210
baseline
▲ 0.50% · 4.625%
HK$5,527
+HK$317/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,420/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$5,454
−HK$295/mo
▼ 0.25% · 3.875%
HK$5,600
−HK$149/mo
Today · 4.125%
HK$5,749
baseline
▲ 0.50% · 4.625%
HK$6,052
+HK$303/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,498/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$5,883
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,066
−HK$186/mo
Today · 4.125%
HK$6,252
baseline
▲ 0.50% · 4.625%
HK$6,632
+HK$380/mo
Deposit HK$860K · loan HK$1.29M · min. income ≈ HK$12,504/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,545
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,720
−HK$178/mo
Today · 4.125%
HK$6,898
baseline
▲ 0.50% · 4.625%
HK$7,262
+HK$364/mo
Deposit HK$860K · loan HK$1.29M · min. income ≈ HK$13,796/mo (50% DSR)
Upfront cash ≈ HK$860K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,863
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,077
−HK$217/mo
Today · 4.125%
HK$7,294
baseline
▲ 0.50% · 4.625%
HK$7,738
+HK$444/mo
Deposit HK$645K · loan HK$1.50M · min. income ≈ HK$14,588/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,636
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,840
−HK$208/mo
Today · 4.125%
HK$8,048
baseline
▲ 0.50% · 4.625%
HK$8,472
+HK$424/mo
Deposit HK$645K · loan HK$1.50M · min. income ≈ HK$16,096/mo (50% DSR)
Upfront cash ≈ HK$645K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,824
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,099
−HK$279/mo
Today · 4.125%
HK$9,378
baseline
▲ 0.50% · 4.625%
HK$9,948
+HK$570/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$18,756/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$9,817
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,080
−HK$268/mo
Today · 4.125%
HK$10,348
baseline
▲ 0.50% · 4.625%
HK$10,893
+HK$545/mo
Deposit HK$215K · loan HK$1.93M · min. income ≈ HK$20,696/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).