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$4,867
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,018
−HK$154/mo
Today · 4.125%
HK$5,172
baseline
▲ 0.50% · 4.625%
HK$5,486
+HK$314/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,344/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$5,414
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,559
−HK$148/mo
Today · 4.125%
HK$5,707
baseline
▲ 0.50% · 4.625%
HK$6,007
+HK$300/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,414/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$5,840
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,022
−HK$184/mo
Today · 4.125%
HK$6,206
baseline
▲ 0.50% · 4.625%
HK$6,584
+HK$378/mo
Deposit HK$854K · loan HK$1.28M · min. income ≈ HK$12,412/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,497
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,671
−HK$177/mo
Today · 4.125%
HK$6,848
baseline
▲ 0.50% · 4.625%
HK$7,209
+HK$361/mo
Deposit HK$854K · loan HK$1.28M · min. income ≈ HK$13,696/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,813
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,025
−HK$215/mo
Today · 4.125%
HK$7,240
baseline
▲ 0.50% · 4.625%
HK$7,681
+HK$441/mo
Deposit HK$640K · loan HK$1.49M · min. income ≈ HK$14,480/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,580
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,783
−HK$206/mo
Today · 4.125%
HK$7,989
baseline
▲ 0.50% · 4.625%
HK$8,410
+HK$421/mo
Deposit HK$640K · loan HK$1.49M · min. income ≈ HK$15,978/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,760
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,032
−HK$277/mo
Today · 4.125%
HK$9,309
baseline
▲ 0.50% · 4.625%
HK$9,876
+HK$567/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$18,618/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$9,745
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,007
−HK$265/mo
Today · 4.125%
HK$10,272
baseline
▲ 0.50% · 4.625%
HK$10,813
+HK$541/mo
Deposit HK$213K · loan HK$1.92M · min. income ≈ HK$20,544/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).