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$5,149
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,309
−HK$163/mo
Today · 4.125%
HK$5,472
baseline
▲ 0.50% · 4.625%
HK$5,805
+HK$333/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,944/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,728
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,882
−HK$156/mo
Today · 4.125%
HK$6,038
baseline
▲ 0.50% · 4.625%
HK$6,356
+HK$318/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,076/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,179
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,371
−HK$195/mo
Today · 4.125%
HK$6,566
baseline
▲ 0.50% · 4.625%
HK$6,966
+HK$400/mo
Deposit HK$903K · loan HK$1.35M · min. income ≈ HK$13,132/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,874
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,058
−HK$187/mo
Today · 4.125%
HK$7,245
baseline
▲ 0.50% · 4.625%
HK$7,627
+HK$382/mo
Deposit HK$903K · loan HK$1.35M · min. income ≈ HK$14,490/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,209
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,433
−HK$228/mo
Today · 4.125%
HK$7,661
baseline
▲ 0.50% · 4.625%
HK$8,127
+HK$466/mo
Deposit HK$677K · loan HK$1.58M · min. income ≈ HK$15,322/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,020
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,235
−HK$218/mo
Today · 4.125%
HK$8,453
baseline
▲ 0.50% · 4.625%
HK$8,899
+HK$446/mo
Deposit HK$677K · loan HK$1.58M · min. income ≈ HK$16,906/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,268
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,557
−HK$293/mo
Today · 4.125%
HK$9,850
baseline
▲ 0.50% · 4.625%
HK$10,449
+HK$599/mo
Deposit HK$226K · loan HK$2.03M · min. income ≈ HK$19,700/mo (50% DSR)
Upfront cash ≈ HK$226K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,311
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,588
−HK$280/mo
Today · 4.125%
HK$10,868
baseline
▲ 0.50% · 4.625%
HK$11,441
+HK$573/mo
Deposit HK$226K · loan HK$2.03M · min. income ≈ HK$21,736/mo (50% DSR)
Upfront cash ≈ HK$226K (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).