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$5,157
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,318
−HK$163/mo
Today · 4.125%
HK$5,481
baseline
▲ 0.50% · 4.625%
HK$5,814
+HK$333/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,962/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$5,737
−HK$310/mo
▼ 0.25% · 3.875%
HK$5,891
−HK$156/mo
Today · 4.125%
HK$6,047
baseline
▲ 0.50% · 4.625%
HK$6,366
+HK$319/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,094/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$6,189
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,381
−HK$196/mo
Today · 4.125%
HK$6,577
baseline
▲ 0.50% · 4.625%
HK$6,977
+HK$400/mo
Deposit HK$905K · loan HK$1.36M · min. income ≈ HK$13,154/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,885
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,070
−HK$187/mo
Today · 4.125%
HK$7,257
baseline
▲ 0.50% · 4.625%
HK$7,639
+HK$382/mo
Deposit HK$905K · loan HK$1.36M · min. income ≈ HK$14,514/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,220
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,445
−HK$228/mo
Today · 4.125%
HK$7,673
baseline
▲ 0.50% · 4.625%
HK$8,140
+HK$467/mo
Deposit HK$679K · loan HK$1.58M · min. income ≈ HK$15,346/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,032
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,248
−HK$218/mo
Today · 4.125%
HK$8,466
baseline
▲ 0.50% · 4.625%
HK$8,913
+HK$447/mo
Deposit HK$679K · loan HK$1.58M · min. income ≈ HK$16,932/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,283
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,572
−HK$293/mo
Today · 4.125%
HK$9,865
baseline
▲ 0.50% · 4.625%
HK$10,465
+HK$600/mo
Deposit HK$226K · loan HK$2.04M · min. income ≈ HK$19,730/mo (50% DSR)
Upfront cash ≈ HK$226K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,327
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,604
−HK$281/mo
Today · 4.125%
HK$10,885
baseline
▲ 0.50% · 4.625%
HK$11,459
+HK$574/mo
Deposit HK$226K · loan HK$2.04M · min. income ≈ HK$21,770/mo (50% DSR)
Upfront cash ≈ HK$226K (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).