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$4,783
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,932
−HK$151/mo
Today · 4.125%
HK$5,083
baseline
▲ 0.50% · 4.625%
HK$5,392
+HK$309/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,166/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$5,321
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,464
−HK$145/mo
Today · 4.125%
HK$5,609
baseline
▲ 0.50% · 4.625%
HK$5,904
+HK$295/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,218/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$5,740
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,918
−HK$182/mo
Today · 4.125%
HK$6,100
baseline
▲ 0.50% · 4.625%
HK$6,471
+HK$371/mo
Deposit HK$839K · loan HK$1.26M · min. income ≈ HK$12,200/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,385
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,557
−HK$173/mo
Today · 4.125%
HK$6,730
baseline
▲ 0.50% · 4.625%
HK$7,085
+HK$355/mo
Deposit HK$839K · loan HK$1.26M · min. income ≈ HK$13,460/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,696
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,905
−HK$211/mo
Today · 4.125%
HK$7,116
baseline
▲ 0.50% · 4.625%
HK$7,549
+HK$433/mo
Deposit HK$629K · loan HK$1.47M · min. income ≈ HK$14,232/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,450
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,649
−HK$203/mo
Today · 4.125%
HK$7,852
baseline
▲ 0.50% · 4.625%
HK$8,266
+HK$414/mo
Deposit HK$629K · loan HK$1.47M · min. income ≈ HK$15,704/mo (50% DSR)
Upfront cash ≈ HK$629K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,610
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,877
−HK$272/mo
Today · 4.125%
HK$9,149
baseline
▲ 0.50% · 4.625%
HK$9,706
+HK$557/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$18,298/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$9,578
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,835
−HK$260/mo
Today · 4.125%
HK$10,095
baseline
▲ 0.50% · 4.625%
HK$10,628
+HK$533/mo
Deposit HK$210K · loan HK$1.89M · min. income ≈ HK$20,190/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).