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$5,319
−HK$334/mo
▼ 0.25% · 3.875%
HK$5,485
−HK$168/mo
Today · 4.125%
HK$5,653
baseline
▲ 0.50% · 4.625%
HK$5,997
+HK$344/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,306/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,918
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,076
−HK$161/mo
Today · 4.125%
HK$6,237
baseline
▲ 0.50% · 4.625%
HK$6,566
+HK$329/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,474/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,383
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,582
−HK$201/mo
Today · 4.125%
HK$6,783
baseline
▲ 0.50% · 4.625%
HK$7,196
+HK$413/mo
Deposit HK$933K · loan HK$1.40M · min. income ≈ HK$13,566/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,101
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,292
−HK$193/mo
Today · 4.125%
HK$7,485
baseline
▲ 0.50% · 4.625%
HK$7,879
+HK$394/mo
Deposit HK$933K · loan HK$1.40M · min. income ≈ HK$14,970/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,447
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,679
−HK$235/mo
Today · 4.125%
HK$7,914
baseline
▲ 0.50% · 4.625%
HK$8,395
+HK$481/mo
Deposit HK$700K · loan HK$1.63M · min. income ≈ HK$15,828/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,285
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,507
−HK$225/mo
Today · 4.125%
HK$8,732
baseline
▲ 0.50% · 4.625%
HK$9,192
+HK$460/mo
Deposit HK$700K · loan HK$1.63M · min. income ≈ HK$17,464/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,575
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,872
−HK$303/mo
Today · 4.125%
HK$10,175
baseline
▲ 0.50% · 4.625%
HK$10,794
+HK$619/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$20,350/mo (50% DSR)
Upfront cash ≈ HK$233K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,652
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,937
−HK$290/mo
Today · 4.125%
HK$11,227
baseline
▲ 0.50% · 4.625%
HK$11,819
+HK$592/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$22,454/mo (50% DSR)
Upfront cash ≈ HK$233K (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).