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$4,980
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,135
−HK$157/mo
Today · 4.125%
HK$5,292
baseline
▲ 0.50% · 4.625%
HK$5,614
+HK$322/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,584/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$5,540
−HK$299/mo
▼ 0.25% · 3.875%
HK$5,688
−HK$151/mo
Today · 4.125%
HK$5,839
baseline
▲ 0.50% · 4.625%
HK$6,147
+HK$308/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,678/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$5,976
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,162
−HK$188/mo
Today · 4.125%
HK$6,350
baseline
▲ 0.50% · 4.625%
HK$6,737
+HK$387/mo
Deposit HK$874K · loan HK$1.31M · min. income ≈ HK$12,700/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,648
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,826
−HK$181/mo
Today · 4.125%
HK$7,007
baseline
▲ 0.50% · 4.625%
HK$7,376
+HK$369/mo
Deposit HK$874K · loan HK$1.31M · min. income ≈ HK$14,014/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,972
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,188
−HK$221/mo
Today · 4.125%
HK$7,409
baseline
▲ 0.50% · 4.625%
HK$7,860
+HK$451/mo
Deposit HK$655K · loan HK$1.53M · min. income ≈ HK$14,818/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,756
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,964
−HK$211/mo
Today · 4.125%
HK$8,175
baseline
▲ 0.50% · 4.625%
HK$8,606
+HK$431/mo
Deposit HK$655K · loan HK$1.53M · min. income ≈ HK$16,350/mo (50% DSR)
Upfront cash ≈ HK$655K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,963
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,242
−HK$284/mo
Today · 4.125%
HK$9,526
baseline
▲ 0.50% · 4.625%
HK$10,105
+HK$579/mo
Deposit HK$218K · loan HK$1.97M · min. income ≈ HK$19,052/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$9,972
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,239
−HK$272/mo
Today · 4.125%
HK$10,511
baseline
▲ 0.50% · 4.625%
HK$11,065
+HK$554/mo
Deposit HK$218K · loan HK$1.97M · min. income ≈ HK$21,022/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).