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$4,809
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,958
−HK$152/mo
Today · 4.125%
HK$5,110
baseline
▲ 0.50% · 4.625%
HK$5,421
+HK$311/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$10,220/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,350
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,493
−HK$146/mo
Today · 4.125%
HK$5,639
baseline
▲ 0.50% · 4.625%
HK$5,936
+HK$297/mo
Deposit HK$1.05M · loan HK$1.05M · min. income ≈ HK$11,278/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,770
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,950
−HK$182/mo
Today · 4.125%
HK$6,132
baseline
▲ 0.50% · 4.625%
HK$6,505
+HK$373/mo
Deposit HK$844K · loan HK$1.27M · min. income ≈ HK$12,264/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,419
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,592
−HK$174/mo
Today · 4.125%
HK$6,766
baseline
▲ 0.50% · 4.625%
HK$7,123
+HK$357/mo
Deposit HK$844K · loan HK$1.27M · min. income ≈ HK$13,532/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,732
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,942
−HK$212/mo
Today · 4.125%
HK$7,154
baseline
▲ 0.50% · 4.625%
HK$7,590
+HK$436/mo
Deposit HK$633K · loan HK$1.48M · min. income ≈ HK$14,308/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,489
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,690
−HK$204/mo
Today · 4.125%
HK$7,894
baseline
▲ 0.50% · 4.625%
HK$8,310
+HK$416/mo
Deposit HK$633K · loan HK$1.48M · min. income ≈ HK$15,788/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,656
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,925
−HK$273/mo
Today · 4.125%
HK$9,198
baseline
▲ 0.50% · 4.625%
HK$9,758
+HK$560/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$18,396/mo (50% DSR)
Upfront cash ≈ HK$211K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,629
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,887
−HK$262/mo
Today · 4.125%
HK$10,149
baseline
▲ 0.50% · 4.625%
HK$10,684
+HK$535/mo
Deposit HK$211K · loan HK$1.90M · min. income ≈ HK$20,298/mo (50% DSR)
Upfront cash ≈ HK$211K (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).