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$4,951
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,105
−HK$156/mo
Today · 4.125%
HK$5,261
baseline
▲ 0.50% · 4.625%
HK$5,581
+HK$320/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$10,522/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$5,508
−HK$297/mo
▼ 0.25% · 3.875%
HK$5,655
−HK$150/mo
Today · 4.125%
HK$5,805
baseline
▲ 0.50% · 4.625%
HK$6,111
+HK$306/mo
Deposit HK$1.09M · loan HK$1.09M · min. income ≈ HK$11,610/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$5,941
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,126
−HK$187/mo
Today · 4.125%
HK$6,313
baseline
▲ 0.50% · 4.625%
HK$6,698
+HK$385/mo
Deposit HK$868K · loan HK$1.30M · min. income ≈ HK$12,626/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,609
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,786
−HK$180/mo
Today · 4.125%
HK$6,966
baseline
▲ 0.50% · 4.625%
HK$7,333
+HK$367/mo
Deposit HK$868K · loan HK$1.30M · min. income ≈ HK$13,932/mo (50% DSR)
Upfront cash ≈ HK$869K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,931
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,147
−HK$219/mo
Today · 4.125%
HK$7,366
baseline
▲ 0.50% · 4.625%
HK$7,814
+HK$448/mo
Deposit HK$651K · loan HK$1.52M · min. income ≈ HK$14,732/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,711
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,917
−HK$210/mo
Today · 4.125%
HK$8,127
baseline
▲ 0.50% · 4.625%
HK$8,556
+HK$429/mo
Deposit HK$651K · loan HK$1.52M · min. income ≈ HK$16,254/mo (50% DSR)
Upfront cash ≈ HK$651K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,911
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,188
−HK$282/mo
Today · 4.125%
HK$9,470
baseline
▲ 0.50% · 4.625%
HK$10,046
+HK$576/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$18,940/mo (50% DSR)
Upfront cash ≈ HK$217K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,914
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,180
−HK$269/mo
Today · 4.125%
HK$10,449
baseline
▲ 0.50% · 4.625%
HK$11,000
+HK$551/mo
Deposit HK$217K · loan HK$1.95M · min. income ≈ HK$20,898/mo (50% DSR)
Upfront cash ≈ HK$217K (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).