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$5,641
−HK$172/mo
Today · 4.125%
HK$5,813
baseline
▲ 0.50% · 4.625%
HK$6,167
+HK$354/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$6,086
−HK$329/mo
▼ 0.25% · 3.875%
HK$6,249
−HK$166/mo
Today · 4.125%
HK$6,415
baseline
▲ 0.50% · 4.625%
HK$6,753
+HK$338/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,830/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$412/mo
▼ 0.25% · 3.875%
HK$6,769
−HK$207/mo
Today · 4.125%
HK$6,976
baseline
▲ 0.50% · 4.625%
HK$7,401
+HK$425/mo
Deposit HK$960K · loan HK$1.44M · min. income ≈ HK$13,952/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$7,303
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,499
−HK$198/mo
Today · 4.125%
HK$7,697
baseline
▲ 0.50% · 4.625%
HK$8,103
+HK$406/mo
Deposit HK$960K · loan HK$1.44M · min. income ≈ HK$15,394/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$7,659
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,897
−HK$242/mo
Today · 4.125%
HK$8,139
baseline
▲ 0.50% · 4.625%
HK$8,634
+HK$495/mo
Deposit HK$720K · loan HK$1.68M · min. income ≈ HK$16,278/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$8,520
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,749
−HK$231/mo
Today · 4.125%
HK$8,980
baseline
▲ 0.50% · 4.625%
HK$9,454
+HK$474/mo
Deposit HK$720K · loan HK$1.68M · min. income ≈ HK$17,960/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$9,847
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,153
−HK$311/mo
Today · 4.125%
HK$10,464
baseline
▲ 0.50% · 4.625%
HK$11,101
+HK$637/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$20,928/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$10,954
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,248
−HK$298/mo
Today · 4.125%
HK$11,546
baseline
▲ 0.50% · 4.625%
HK$12,155
+HK$609/mo
Deposit HK$240K · loan HK$2.16M · min. income ≈ HK$23,092/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).