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$5,470
−HK$343/mo
▼ 0.25% · 3.875%
HK$5,640
−HK$173/mo
Today · 4.125%
HK$5,813
baseline
▲ 0.50% · 4.625%
HK$6,166
+HK$353/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,626/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,085
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,248
−HK$166/mo
Today · 4.125%
HK$6,414
baseline
▲ 0.50% · 4.625%
HK$6,752
+HK$338/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,828/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,564
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,768
−HK$207/mo
Today · 4.125%
HK$6,975
baseline
▲ 0.50% · 4.625%
HK$7,400
+HK$425/mo
Deposit HK$959K · loan HK$1.44M · min. income ≈ HK$13,950/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,302
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,498
−HK$198/mo
Today · 4.125%
HK$7,696
baseline
▲ 0.50% · 4.625%
HK$8,102
+HK$406/mo
Deposit HK$959K · loan HK$1.44M · min. income ≈ HK$15,392/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,657
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,896
−HK$242/mo
Today · 4.125%
HK$8,138
baseline
▲ 0.50% · 4.625%
HK$8,633
+HK$495/mo
Deposit HK$720K · loan HK$1.68M · min. income ≈ HK$16,276/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,519
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,747
−HK$232/mo
Today · 4.125%
HK$8,979
baseline
▲ 0.50% · 4.625%
HK$9,452
+HK$473/mo
Deposit HK$720K · loan HK$1.68M · min. income ≈ HK$17,958/mo (50% DSR)
Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,845
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,152
−HK$311/mo
Today · 4.125%
HK$10,463
baseline
▲ 0.50% · 4.625%
HK$11,099
+HK$636/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,926/mo (50% DSR)
Upfront cash ≈ HK$240K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,953
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,247
−HK$298/mo
Today · 4.125%
HK$11,545
baseline
▲ 0.50% · 4.625%
HK$12,153
+HK$608/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,090/mo (50% DSR)
Upfront cash ≈ HK$240K (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).