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$5,226
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,389
−HK$165/mo
Today · 4.125%
HK$5,554
baseline
▲ 0.50% · 4.625%
HK$5,892
+HK$338/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,108/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,814
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,970
−HK$158/mo
Today · 4.125%
HK$6,128
baseline
▲ 0.50% · 4.625%
HK$6,452
+HK$324/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,256/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,272
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,467
−HK$198/mo
Today · 4.125%
HK$6,665
baseline
▲ 0.50% · 4.625%
HK$7,071
+HK$406/mo
Deposit HK$917K · loan HK$1.38M · min. income ≈ HK$13,330/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,977
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,164
−HK$190/mo
Today · 4.125%
HK$7,354
baseline
▲ 0.50% · 4.625%
HK$7,742
+HK$388/mo
Deposit HK$917K · loan HK$1.38M · min. income ≈ HK$14,708/mo (50% DSR)
Upfront cash ≈ HK$917K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,317
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,545
−HK$231/mo
Today · 4.125%
HK$7,776
baseline
▲ 0.50% · 4.625%
HK$8,249
+HK$473/mo
Deposit HK$688K · loan HK$1.60M · min. income ≈ HK$15,552/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,140
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,358
−HK$222/mo
Today · 4.125%
HK$8,580
baseline
▲ 0.50% · 4.625%
HK$9,032
+HK$452/mo
Deposit HK$688K · loan HK$1.60M · min. income ≈ HK$17,160/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,408
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,700
−HK$298/mo
Today · 4.125%
HK$9,998
baseline
▲ 0.50% · 4.625%
HK$10,606
+HK$608/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$19,996/mo (50% DSR)
Upfront cash ≈ HK$229K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,466
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,747
−HK$284/mo
Today · 4.125%
HK$11,031
baseline
▲ 0.50% · 4.625%
HK$11,613
+HK$582/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$22,062/mo (50% DSR)
Upfront cash ≈ HK$229K (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).