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$5,489
−HK$344/mo
▼ 0.25% · 3.875%
HK$5,660
−HK$173/mo
Today · 4.125%
HK$5,833
baseline
▲ 0.50% · 4.625%
HK$6,188
+HK$355/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,666/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,107
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,270
−HK$167/mo
Today · 4.125%
HK$6,437
baseline
▲ 0.50% · 4.625%
HK$6,776
+HK$339/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,874/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,587
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,792
−HK$208/mo
Today · 4.125%
HK$7,000
baseline
▲ 0.50% · 4.625%
HK$7,426
+HK$426/mo
Deposit HK$963K · loan HK$1.44M · min. income ≈ HK$14,000/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,328
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,525
−HK$199/mo
Today · 4.125%
HK$7,724
baseline
▲ 0.50% · 4.625%
HK$8,131
+HK$407/mo
Deposit HK$963K · loan HK$1.44M · min. income ≈ HK$15,448/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,685
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,924
−HK$243/mo
Today · 4.125%
HK$8,167
baseline
▲ 0.50% · 4.625%
HK$8,664
+HK$497/mo
Deposit HK$722K · loan HK$1.69M · min. income ≈ HK$16,334/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,549
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,779
−HK$232/mo
Today · 4.125%
HK$9,011
baseline
▲ 0.50% · 4.625%
HK$9,486
+HK$475/mo
Deposit HK$722K · loan HK$1.69M · min. income ≈ HK$18,022/mo (50% DSR)
Upfront cash ≈ HK$722K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,881
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,188
−HK$312/mo
Today · 4.125%
HK$10,500
baseline
▲ 0.50% · 4.625%
HK$11,139
+HK$639/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$21,000/mo (50% DSR)
Upfront cash ≈ HK$241K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,992
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,287
−HK$299/mo
Today · 4.125%
HK$11,586
baseline
▲ 0.50% · 4.625%
HK$12,197
+HK$611/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$23,172/mo (50% DSR)
Upfront cash ≈ HK$241K (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).