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$5,314
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,479
−HK$168/mo
Today · 4.125%
HK$5,647
baseline
▲ 0.50% · 4.625%
HK$5,991
+HK$344/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,294/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,912
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,071
−HK$160/mo
Today · 4.125%
HK$6,231
baseline
▲ 0.50% · 4.625%
HK$6,560
+HK$329/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,462/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,377
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,575
−HK$202/mo
Today · 4.125%
HK$6,777
baseline
▲ 0.50% · 4.625%
HK$7,189
+HK$412/mo
Deposit HK$932K · loan HK$1.40M · min. income ≈ HK$13,554/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,094
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,285
−HK$193/mo
Today · 4.125%
HK$7,478
baseline
▲ 0.50% · 4.625%
HK$7,872
+HK$394/mo
Deposit HK$932K · loan HK$1.40M · min. income ≈ HK$14,956/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,440
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,671
−HK$235/mo
Today · 4.125%
HK$7,906
baseline
▲ 0.50% · 4.625%
HK$8,387
+HK$481/mo
Deposit HK$699K · loan HK$1.63M · min. income ≈ HK$15,812/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,277
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,499
−HK$225/mo
Today · 4.125%
HK$8,724
baseline
▲ 0.50% · 4.625%
HK$9,184
+HK$460/mo
Deposit HK$699K · loan HK$1.63M · min. income ≈ HK$17,448/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,566
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,863
−HK$302/mo
Today · 4.125%
HK$10,165
baseline
▲ 0.50% · 4.625%
HK$10,784
+HK$619/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$20,330/mo (50% DSR)
Upfront cash ≈ HK$233K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,642
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,927
−HK$289/mo
Today · 4.125%
HK$11,216
baseline
▲ 0.50% · 4.625%
HK$11,808
+HK$592/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$22,432/mo (50% DSR)
Upfront cash ≈ HK$233K (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).