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$4,883
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,035
−HK$155/mo
Today · 4.125%
HK$5,190
baseline
▲ 0.50% · 4.625%
HK$5,506
+HK$316/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$10,380/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$5,433
−HK$293/mo
▼ 0.25% · 3.875%
HK$5,579
−HK$147/mo
Today · 4.125%
HK$5,726
baseline
▲ 0.50% · 4.625%
HK$6,028
+HK$302/mo
Deposit HK$1.07M · loan HK$1.07M · min. income ≈ HK$11,452/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$5,860
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,042
−HK$186/mo
Today · 4.125%
HK$6,228
baseline
▲ 0.50% · 4.625%
HK$6,607
+HK$379/mo
Deposit HK$857K · loan HK$1.28M · min. income ≈ HK$12,456/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,519
−HK$353/mo
▼ 0.25% · 3.875%
HK$6,694
−HK$178/mo
Today · 4.125%
HK$6,872
baseline
▲ 0.50% · 4.625%
HK$7,234
+HK$362/mo
Deposit HK$857K · loan HK$1.28M · min. income ≈ HK$13,744/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,837
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,050
−HK$216/mo
Today · 4.125%
HK$7,266
baseline
▲ 0.50% · 4.625%
HK$7,708
+HK$442/mo
Deposit HK$642K · loan HK$1.50M · min. income ≈ HK$14,532/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$7,606
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,810
−HK$207/mo
Today · 4.125%
HK$8,017
baseline
▲ 0.50% · 4.625%
HK$8,439
+HK$422/mo
Deposit HK$642K · loan HK$1.50M · min. income ≈ HK$16,034/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$8,790
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,064
−HK$277/mo
Today · 4.125%
HK$9,341
baseline
▲ 0.50% · 4.625%
HK$9,910
+HK$569/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$18,682/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$9,779
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,041
−HK$266/mo
Today · 4.125%
HK$10,307
baseline
▲ 0.50% · 4.625%
HK$10,851
+HK$544/mo
Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$20,614/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).