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$4,983
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,138
−HK$157/mo
Today · 4.125%
HK$5,295
baseline
▲ 0.50% · 4.625%
HK$5,617
+HK$322/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,590/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$5,543
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,692
−HK$151/mo
Today · 4.125%
HK$5,843
baseline
▲ 0.50% · 4.625%
HK$6,151
+HK$308/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,686/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$5,979
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,165
−HK$189/mo
Today · 4.125%
HK$6,354
baseline
▲ 0.50% · 4.625%
HK$6,741
+HK$387/mo
Deposit HK$874K · loan HK$1.31M · min. income ≈ HK$12,708/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$6,652
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,830
−HK$181/mo
Today · 4.125%
HK$7,011
baseline
▲ 0.50% · 4.625%
HK$7,381
+HK$370/mo
Deposit HK$874K · loan HK$1.31M · min. income ≈ HK$14,022/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$6,976
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,193
−HK$220/mo
Today · 4.125%
HK$7,413
baseline
▲ 0.50% · 4.625%
HK$7,864
+HK$451/mo
Deposit HK$656K · loan HK$1.53M · min. income ≈ HK$14,826/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,761
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,969
−HK$211/mo
Today · 4.125%
HK$8,180
baseline
▲ 0.50% · 4.625%
HK$8,611
+HK$431/mo
Deposit HK$656K · loan HK$1.53M · min. income ≈ HK$16,360/mo (50% DSR)
Upfront cash ≈ HK$656K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,969
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,248
−HK$283/mo
Today · 4.125%
HK$9,531
baseline
▲ 0.50% · 4.625%
HK$10,111
+HK$580/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$19,062/mo (50% DSR)
Upfront cash ≈ HK$219K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,978
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,246
−HK$271/mo
Today · 4.125%
HK$10,517
baseline
▲ 0.50% · 4.625%
HK$11,071
+HK$554/mo
Deposit HK$219K · loan HK$1.97M · min. income ≈ HK$21,034/mo (50% DSR)
Upfront cash ≈ HK$219K (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).