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$4,973
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,128
−HK$157/mo
Today · 4.125%
HK$5,285
baseline
▲ 0.50% · 4.625%
HK$5,606
+HK$321/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,570/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$5,532
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,681
−HK$150/mo
Today · 4.125%
HK$5,831
baseline
▲ 0.50% · 4.625%
HK$6,139
+HK$308/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,662/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$5,968
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,153
−HK$189/mo
Today · 4.125%
HK$6,342
baseline
▲ 0.50% · 4.625%
HK$6,728
+HK$386/mo
Deposit HK$872K · loan HK$1.31M · min. income ≈ HK$12,684/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$6,639
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,817
−HK$181/mo
Today · 4.125%
HK$6,998
baseline
▲ 0.50% · 4.625%
HK$7,366
+HK$368/mo
Deposit HK$872K · loan HK$1.31M · min. income ≈ HK$13,996/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$6,962
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,179
−HK$220/mo
Today · 4.125%
HK$7,399
baseline
▲ 0.50% · 4.625%
HK$7,849
+HK$450/mo
Deposit HK$654K · loan HK$1.53M · min. income ≈ HK$14,798/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$7,745
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,953
−HK$211/mo
Today · 4.125%
HK$8,164
baseline
▲ 0.50% · 4.625%
HK$8,594
+HK$430/mo
Deposit HK$654K · loan HK$1.53M · min. income ≈ HK$16,328/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$8,951
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,230
−HK$283/mo
Today · 4.125%
HK$9,513
baseline
▲ 0.50% · 4.625%
HK$10,091
+HK$578/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$19,026/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$9,958
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,225
−HK$271/mo
Today · 4.125%
HK$10,496
baseline
▲ 0.50% · 4.625%
HK$11,050
+HK$554/mo
Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$20,992/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).