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$4,797
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,946
−HK$152/mo
Today · 4.125%
HK$5,098
baseline
▲ 0.50% · 4.625%
HK$5,408
+HK$310/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,196/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$5,336
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,479
−HK$146/mo
Today · 4.125%
HK$5,625
baseline
▲ 0.50% · 4.625%
HK$5,921
+HK$296/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,250/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$5,756
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,935
−HK$182/mo
Today · 4.125%
HK$6,117
baseline
▲ 0.50% · 4.625%
HK$6,489
+HK$372/mo
Deposit HK$841K · loan HK$1.26M · min. income ≈ HK$12,234/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,404
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,575
−HK$175/mo
Today · 4.125%
HK$6,750
baseline
▲ 0.50% · 4.625%
HK$7,105
+HK$355/mo
Deposit HK$841K · loan HK$1.26M · min. income ≈ HK$13,500/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,715
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,924
−HK$213/mo
Today · 4.125%
HK$7,137
baseline
▲ 0.50% · 4.625%
HK$7,571
+HK$434/mo
Deposit HK$631K · loan HK$1.47M · min. income ≈ HK$14,274/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,471
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,671
−HK$203/mo
Today · 4.125%
HK$7,874
baseline
▲ 0.50% · 4.625%
HK$8,290
+HK$416/mo
Deposit HK$631K · loan HK$1.47M · min. income ≈ HK$15,748/mo (50% DSR)
Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,634
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,903
−HK$273/mo
Today · 4.125%
HK$9,176
baseline
▲ 0.50% · 4.625%
HK$9,734
+HK$558/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$18,352/mo (50% DSR)
Upfront cash ≈ HK$210K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,605
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,863
−HK$261/mo
Today · 4.125%
HK$10,124
baseline
▲ 0.50% · 4.625%
HK$10,658
+HK$534/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$20,248/mo (50% DSR)
Upfront cash ≈ HK$210K (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).