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$4,888
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,040
−HK$154/mo
Today · 4.125%
HK$5,194
baseline
▲ 0.50% · 4.625%
HK$5,511
+HK$317/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,388/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,438
−HK$294/mo
▼ 0.25% · 3.875%
HK$5,584
−HK$148/mo
Today · 4.125%
HK$5,732
baseline
▲ 0.50% · 4.625%
HK$6,034
+HK$302/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,464/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,866
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,048
−HK$185/mo
Today · 4.125%
HK$6,233
baseline
▲ 0.50% · 4.625%
HK$6,613
+HK$380/mo
Deposit HK$857K · loan HK$1.29M · min. income ≈ HK$12,466/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,525
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,700
−HK$178/mo
Today · 4.125%
HK$6,878
baseline
▲ 0.50% · 4.625%
HK$7,240
+HK$362/mo
Deposit HK$857K · loan HK$1.29M · min. income ≈ HK$13,756/mo (50% DSR)
Upfront cash ≈ HK$858K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,843
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,056
−HK$216/mo
Today · 4.125%
HK$7,272
baseline
▲ 0.50% · 4.625%
HK$7,715
+HK$443/mo
Deposit HK$643K · loan HK$1.50M · min. income ≈ HK$14,544/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,613
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,817
−HK$207/mo
Today · 4.125%
HK$8,024
baseline
▲ 0.50% · 4.625%
HK$8,447
+HK$423/mo
Deposit HK$643K · loan HK$1.50M · min. income ≈ HK$16,048/mo (50% DSR)
Upfront cash ≈ HK$643K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,798
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,072
−HK$278/mo
Today · 4.125%
HK$9,350
baseline
▲ 0.50% · 4.625%
HK$9,919
+HK$569/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$18,700/mo (50% DSR)
Upfront cash ≈ HK$214K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,788
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,051
−HK$266/mo
Today · 4.125%
HK$10,317
baseline
▲ 0.50% · 4.625%
HK$10,861
+HK$544/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$20,634/mo (50% DSR)
Upfront cash ≈ HK$214K (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).