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$4,774
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,923
−HK$150/mo
Today · 4.125%
HK$5,073
baseline
▲ 0.50% · 4.625%
HK$5,382
+HK$309/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,146/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$5,311
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,454
−HK$144/mo
Today · 4.125%
HK$5,598
baseline
▲ 0.50% · 4.625%
HK$5,893
+HK$295/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,196/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$5,729
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,907
−HK$181/mo
Today · 4.125%
HK$6,088
baseline
▲ 0.50% · 4.625%
HK$6,459
+HK$371/mo
Deposit HK$837K · loan HK$1.26M · min. income ≈ HK$12,176/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,373
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,544
−HK$174/mo
Today · 4.125%
HK$6,718
baseline
▲ 0.50% · 4.625%
HK$7,072
+HK$354/mo
Deposit HK$837K · loan HK$1.26M · min. income ≈ HK$13,436/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,684
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,892
−HK$211/mo
Today · 4.125%
HK$7,103
baseline
▲ 0.50% · 4.625%
HK$7,535
+HK$432/mo
Deposit HK$628K · loan HK$1.47M · min. income ≈ HK$14,206/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,436
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,635
−HK$202/mo
Today · 4.125%
HK$7,837
baseline
▲ 0.50% · 4.625%
HK$8,250
+HK$413/mo
Deposit HK$628K · loan HK$1.47M · min. income ≈ HK$15,674/mo (50% DSR)
Upfront cash ≈ HK$628K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,593
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,861
−HK$271/mo
Today · 4.125%
HK$9,132
baseline
▲ 0.50% · 4.625%
HK$9,688
+HK$556/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$18,264/mo (50% DSR)
Upfront cash ≈ HK$209K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,560
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,816
−HK$260/mo
Today · 4.125%
HK$10,076
baseline
▲ 0.50% · 4.625%
HK$10,608
+HK$532/mo
Deposit HK$209K · loan HK$1.88M · min. income ≈ HK$20,152/mo (50% DSR)
Upfront cash ≈ HK$209K (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).