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$4,825
−HK$302/mo
▼ 0.25% · 3.875%
HK$4,975
−HK$152/mo
Today · 4.125%
HK$5,127
baseline
▲ 0.50% · 4.625%
HK$5,439
+HK$312/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$10,254/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$5,368
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,511
−HK$146/mo
Today · 4.125%
HK$5,657
baseline
▲ 0.50% · 4.625%
HK$5,956
+HK$299/mo
Deposit HK$1.06M · loan HK$1.06M · min. income ≈ HK$11,314/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$5,790
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,970
−HK$183/mo
Today · 4.125%
HK$6,153
baseline
▲ 0.50% · 4.625%
HK$6,527
+HK$374/mo
Deposit HK$846K · loan HK$1.27M · min. income ≈ HK$12,306/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,441
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,614
−HK$175/mo
Today · 4.125%
HK$6,789
baseline
▲ 0.50% · 4.625%
HK$7,147
+HK$358/mo
Deposit HK$846K · loan HK$1.27M · min. income ≈ HK$13,578/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,755
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,965
−HK$213/mo
Today · 4.125%
HK$7,178
baseline
▲ 0.50% · 4.625%
HK$7,615
+HK$437/mo
Deposit HK$635K · loan HK$1.48M · min. income ≈ HK$14,356/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,515
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,716
−HK$204/mo
Today · 4.125%
HK$7,920
baseline
▲ 0.50% · 4.625%
HK$8,338
+HK$418/mo
Deposit HK$635K · loan HK$1.48M · min. income ≈ HK$15,840/mo (50% DSR)
Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,685
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,955
−HK$274/mo
Today · 4.125%
HK$9,229
baseline
▲ 0.50% · 4.625%
HK$9,791
+HK$562/mo
Deposit HK$212K · loan HK$1.90M · min. income ≈ HK$18,458/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$9,662
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,921
−HK$262/mo
Today · 4.125%
HK$10,183
baseline
▲ 0.50% · 4.625%
HK$10,720
+HK$537/mo
Deposit HK$212K · loan HK$1.90M · min. income ≈ HK$20,366/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).