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$4,834
−HK$303/mo
▼ 0.25% · 3.875%
HK$4,984
−HK$153/mo
Today · 4.125%
HK$5,137
baseline
▲ 0.50% · 4.625%
HK$5,449
+HK$312/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,274/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,377
−HK$291/mo
▼ 0.25% · 3.875%
HK$5,522
−HK$146/mo
Today · 4.125%
HK$5,668
baseline
▲ 0.50% · 4.625%
HK$5,967
+HK$299/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,336/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,800
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,981
−HK$183/mo
Today · 4.125%
HK$6,164
baseline
▲ 0.50% · 4.625%
HK$6,539
+HK$375/mo
Deposit HK$848K · loan HK$1.27M · min. income ≈ HK$12,328/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,453
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,626
−HK$175/mo
Today · 4.125%
HK$6,801
baseline
▲ 0.50% · 4.625%
HK$7,160
+HK$359/mo
Deposit HK$848K · loan HK$1.27M · min. income ≈ HK$13,602/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,767
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,978
−HK$213/mo
Today · 4.125%
HK$7,191
baseline
▲ 0.50% · 4.625%
HK$7,629
+HK$438/mo
Deposit HK$636K · loan HK$1.48M · min. income ≈ HK$14,382/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,528
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,730
−HK$205/mo
Today · 4.125%
HK$7,935
baseline
▲ 0.50% · 4.625%
HK$8,353
+HK$418/mo
Deposit HK$636K · loan HK$1.48M · min. income ≈ HK$15,870/mo (50% DSR)
Upfront cash ≈ HK$636K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,701
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,971
−HK$275/mo
Today · 4.125%
HK$9,246
baseline
▲ 0.50% · 4.625%
HK$9,809
+HK$563/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$18,492/mo (50% DSR)
Upfront cash ≈ HK$212K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,679
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,939
−HK$263/mo
Today · 4.125%
HK$10,202
baseline
▲ 0.50% · 4.625%
HK$10,740
+HK$538/mo
Deposit HK$212K · loan HK$1.91M · min. income ≈ HK$20,404/mo (50% DSR)
Upfront cash ≈ HK$212K (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).