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$5,423
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,591
−HK$172/mo
Today · 4.125%
HK$5,763
baseline
▲ 0.50% · 4.625%
HK$6,114
+HK$351/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,526/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$6,033
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,195
−HK$164/mo
Today · 4.125%
HK$6,359
baseline
▲ 0.50% · 4.625%
HK$6,694
+HK$335/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,718/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$6,507
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,710
−HK$205/mo
Today · 4.125%
HK$6,915
baseline
▲ 0.50% · 4.625%
HK$7,336
+HK$421/mo
Deposit HK$951K · loan HK$1.43M · min. income ≈ HK$13,830/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,239
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,434
−HK$197/mo
Today · 4.125%
HK$7,631
baseline
▲ 0.50% · 4.625%
HK$8,033
+HK$402/mo
Deposit HK$951K · loan HK$1.43M · min. income ≈ HK$15,262/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,592
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,828
−HK$240/mo
Today · 4.125%
HK$8,068
baseline
▲ 0.50% · 4.625%
HK$8,559
+HK$491/mo
Deposit HK$713K · loan HK$1.66M · min. income ≈ HK$16,136/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,446
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,672
−HK$230/mo
Today · 4.125%
HK$8,902
baseline
▲ 0.50% · 4.625%
HK$9,372
+HK$470/mo
Deposit HK$713K · loan HK$1.66M · min. income ≈ HK$17,804/mo (50% DSR)
Upfront cash ≈ HK$714K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,761
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,065
−HK$308/mo
Today · 4.125%
HK$10,373
baseline
▲ 0.50% · 4.625%
HK$11,004
+HK$631/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,746/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$10,859
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,150
−HK$296/mo
Today · 4.125%
HK$11,446
baseline
▲ 0.50% · 4.625%
HK$12,049
+HK$603/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,892/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).