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$5,415
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,583
−HK$171/mo
Today · 4.125%
HK$5,754
baseline
▲ 0.50% · 4.625%
HK$6,104
+HK$350/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,508/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,024
−HK$325/mo
▼ 0.25% · 3.875%
HK$6,185
−HK$164/mo
Today · 4.125%
HK$6,349
baseline
▲ 0.50% · 4.625%
HK$6,684
+HK$335/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,698/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,498
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,700
−HK$205/mo
Today · 4.125%
HK$6,905
baseline
▲ 0.50% · 4.625%
HK$7,325
+HK$420/mo
Deposit HK$950K · loan HK$1.42M · min. income ≈ HK$13,810/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,229
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,422
−HK$197/mo
Today · 4.125%
HK$7,619
baseline
▲ 0.50% · 4.625%
HK$8,021
+HK$402/mo
Deposit HK$950K · loan HK$1.42M · min. income ≈ HK$15,238/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,581
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,816
−HK$240/mo
Today · 4.125%
HK$8,056
baseline
▲ 0.50% · 4.625%
HK$8,546
+HK$490/mo
Deposit HK$712K · loan HK$1.66M · min. income ≈ HK$16,112/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,433
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,659
−HK$230/mo
Today · 4.125%
HK$8,889
baseline
▲ 0.50% · 4.625%
HK$9,357
+HK$468/mo
Deposit HK$712K · loan HK$1.66M · min. income ≈ HK$17,778/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,746
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,050
−HK$308/mo
Today · 4.125%
HK$10,358
baseline
▲ 0.50% · 4.625%
HK$10,988
+HK$630/mo
Deposit HK$237K · loan HK$2.14M · min. income ≈ HK$20,716/mo (50% DSR)
Upfront cash ≈ HK$238K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,843
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,134
−HK$295/mo
Today · 4.125%
HK$11,429
baseline
▲ 0.50% · 4.625%
HK$12,031
+HK$602/mo
Deposit HK$237K · loan HK$2.14M · min. income ≈ HK$22,858/mo (50% DSR)
Upfront cash ≈ HK$238K (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).