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$4,875
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,027
−HK$154/mo
Today · 4.125%
HK$5,181
baseline
▲ 0.50% · 4.625%
HK$5,496
+HK$315/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,362/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,424
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,569
−HK$148/mo
Today · 4.125%
HK$5,717
baseline
▲ 0.50% · 4.625%
HK$6,018
+HK$301/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,434/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,850
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,032
−HK$185/mo
Today · 4.125%
HK$6,217
baseline
▲ 0.50% · 4.625%
HK$6,596
+HK$379/mo
Deposit HK$855K · loan HK$1.28M · min. income ≈ HK$12,434/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,508
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,683
−HK$177/mo
Today · 4.125%
HK$6,860
baseline
▲ 0.50% · 4.625%
HK$7,222
+HK$362/mo
Deposit HK$855K · loan HK$1.28M · min. income ≈ HK$13,720/mo (50% DSR)
Upfront cash ≈ HK$855K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,825
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,038
−HK$215/mo
Today · 4.125%
HK$7,253
baseline
▲ 0.50% · 4.625%
HK$7,695
+HK$442/mo
Deposit HK$641K · loan HK$1.50M · min. income ≈ HK$14,506/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,593
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,797
−HK$206/mo
Today · 4.125%
HK$8,003
baseline
▲ 0.50% · 4.625%
HK$8,425
+HK$422/mo
Deposit HK$641K · loan HK$1.50M · min. income ≈ HK$16,006/mo (50% DSR)
Upfront cash ≈ HK$642K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,776
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,048
−HK$278/mo
Today · 4.125%
HK$9,326
baseline
▲ 0.50% · 4.625%
HK$9,893
+HK$567/mo
Deposit HK$214K · loan HK$1.92M · min. income ≈ HK$18,652/mo (50% DSR)
Upfront cash ≈ HK$214K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,763
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,024
−HK$266/mo
Today · 4.125%
HK$10,290
baseline
▲ 0.50% · 4.625%
HK$10,833
+HK$543/mo
Deposit HK$214K · loan HK$1.92M · min. income ≈ HK$20,580/mo (50% DSR)
Upfront cash ≈ HK$214K (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).