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$5,171
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,332
−HK$164/mo
Today · 4.125%
HK$5,496
baseline
▲ 0.50% · 4.625%
HK$5,830
+HK$334/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,992/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$5,753
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,907
−HK$157/mo
Today · 4.125%
HK$6,064
baseline
▲ 0.50% · 4.625%
HK$6,384
+HK$320/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,128/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$6,206
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,399
−HK$196/mo
Today · 4.125%
HK$6,595
baseline
▲ 0.50% · 4.625%
HK$6,996
+HK$401/mo
Deposit HK$907K · loan HK$1.36M · min. income ≈ HK$13,190/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,904
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,089
−HK$188/mo
Today · 4.125%
HK$7,277
baseline
▲ 0.50% · 4.625%
HK$7,660
+HK$383/mo
Deposit HK$907K · loan HK$1.36M · min. income ≈ HK$14,554/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,240
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,465
−HK$229/mo
Today · 4.125%
HK$7,694
baseline
▲ 0.50% · 4.625%
HK$8,162
+HK$468/mo
Deposit HK$680K · loan HK$1.59M · min. income ≈ HK$15,388/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,054
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,270
−HK$219/mo
Today · 4.125%
HK$8,489
baseline
▲ 0.50% · 4.625%
HK$8,937
+HK$448/mo
Deposit HK$680K · loan HK$1.59M · min. income ≈ HK$16,978/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,308
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,598
−HK$294/mo
Today · 4.125%
HK$9,892
baseline
▲ 0.50% · 4.625%
HK$10,494
+HK$602/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$19,784/mo (50% DSR)
Upfront cash ≈ HK$227K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,356
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,633
−HK$282/mo
Today · 4.125%
HK$10,915
baseline
▲ 0.50% · 4.625%
HK$11,490
+HK$575/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$21,830/mo (50% DSR)
Upfront cash ≈ HK$227K (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).