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$4,715
−HK$296/mo
▼ 0.25% · 3.875%
HK$4,862
−HK$149/mo
Today · 4.125%
HK$5,011
baseline
▲ 0.50% · 4.625%
HK$5,316
+HK$305/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$10,022/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,246
−HK$283/mo
▼ 0.25% · 3.875%
HK$5,386
−HK$143/mo
Today · 4.125%
HK$5,529
baseline
▲ 0.50% · 4.625%
HK$5,821
+HK$292/mo
Deposit HK$1.03M · loan HK$1.03M · min. income ≈ HK$11,058/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,658
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,834
−HK$179/mo
Today · 4.125%
HK$6,013
baseline
▲ 0.50% · 4.625%
HK$6,379
+HK$366/mo
Deposit HK$827K · loan HK$1.24M · min. income ≈ HK$12,026/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,295
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,464
−HK$171/mo
Today · 4.125%
HK$6,635
baseline
▲ 0.50% · 4.625%
HK$6,985
+HK$350/mo
Deposit HK$827K · loan HK$1.24M · min. income ≈ HK$13,270/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,601
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,807
−HK$208/mo
Today · 4.125%
HK$7,015
baseline
▲ 0.50% · 4.625%
HK$7,442
+HK$427/mo
Deposit HK$620K · loan HK$1.45M · min. income ≈ HK$14,030/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,344
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,541
−HK$200/mo
Today · 4.125%
HK$7,741
baseline
▲ 0.50% · 4.625%
HK$8,149
+HK$408/mo
Deposit HK$620K · loan HK$1.45M · min. income ≈ HK$15,482/mo (50% DSR)
Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,487
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,751
−HK$269/mo
Today · 4.125%
HK$9,020
baseline
▲ 0.50% · 4.625%
HK$9,569
+HK$549/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$18,040/mo (50% DSR)
Upfront cash ≈ HK$207K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,442
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,695
−HK$257/mo
Today · 4.125%
HK$9,952
baseline
▲ 0.50% · 4.625%
HK$10,477
+HK$525/mo
Deposit HK$207K · loan HK$1.86M · min. income ≈ HK$19,904/mo (50% DSR)
Upfront cash ≈ HK$207K (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).