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$4,970
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,125
−HK$157/mo
Today · 4.125%
HK$5,282
baseline
▲ 0.50% · 4.625%
HK$5,603
+HK$321/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,564/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$5,529
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,678
−HK$150/mo
Today · 4.125%
HK$5,828
baseline
▲ 0.50% · 4.625%
HK$6,135
+HK$307/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,656/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$5,964
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,150
−HK$188/mo
Today · 4.125%
HK$6,338
baseline
▲ 0.50% · 4.625%
HK$6,724
+HK$386/mo
Deposit HK$872K · loan HK$1.31M · min. income ≈ HK$12,676/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,635
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,813
−HK$181/mo
Today · 4.125%
HK$6,994
baseline
▲ 0.50% · 4.625%
HK$7,362
+HK$368/mo
Deposit HK$872K · loan HK$1.31M · min. income ≈ HK$13,988/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,958
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,175
−HK$220/mo
Today · 4.125%
HK$7,395
baseline
▲ 0.50% · 4.625%
HK$7,845
+HK$450/mo
Deposit HK$654K · loan HK$1.53M · min. income ≈ HK$14,790/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,741
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,949
−HK$210/mo
Today · 4.125%
HK$8,159
baseline
▲ 0.50% · 4.625%
HK$8,589
+HK$430/mo
Deposit HK$654K · loan HK$1.53M · min. income ≈ HK$16,318/mo (50% DSR)
Upfront cash ≈ HK$654K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,946
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,225
−HK$282/mo
Today · 4.125%
HK$9,507
baseline
▲ 0.50% · 4.625%
HK$10,086
+HK$579/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$19,014/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$9,953
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,220
−HK$271/mo
Today · 4.125%
HK$10,491
baseline
▲ 0.50% · 4.625%
HK$11,044
+HK$553/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$20,982/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).