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$5,436
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,606
−HK$171/mo
Today · 4.125%
HK$5,777
baseline
▲ 0.50% · 4.625%
HK$6,129
+HK$352/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,554/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$6,048
−HK$327/mo
▼ 0.25% · 3.875%
HK$6,210
−HK$165/mo
Today · 4.125%
HK$6,375
baseline
▲ 0.50% · 4.625%
HK$6,711
+HK$336/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,750/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$6,524
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,727
−HK$206/mo
Today · 4.125%
HK$6,933
baseline
▲ 0.50% · 4.625%
HK$7,355
+HK$422/mo
Deposit HK$954K · loan HK$1.43M · min. income ≈ HK$13,866/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,258
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,452
−HK$198/mo
Today · 4.125%
HK$7,650
baseline
▲ 0.50% · 4.625%
HK$8,053
+HK$403/mo
Deposit HK$954K · loan HK$1.43M · min. income ≈ HK$15,300/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,611
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,848
−HK$240/mo
Today · 4.125%
HK$8,088
baseline
▲ 0.50% · 4.625%
HK$8,580
+HK$492/mo
Deposit HK$715K · loan HK$1.67M · min. income ≈ HK$16,176/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,467
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,694
−HK$231/mo
Today · 4.125%
HK$8,925
baseline
▲ 0.50% · 4.625%
HK$9,395
+HK$470/mo
Deposit HK$715K · loan HK$1.67M · min. income ≈ HK$17,850/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,786
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,090
−HK$309/mo
Today · 4.125%
HK$10,399
baseline
▲ 0.50% · 4.625%
HK$11,032
+HK$633/mo
Deposit HK$238K · loan HK$2.15M · min. income ≈ HK$20,798/mo (50% DSR)
Upfront cash ≈ HK$239K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,886
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,178
−HK$296/mo
Today · 4.125%
HK$11,474
baseline
▲ 0.50% · 4.625%
HK$12,079
+HK$605/mo
Deposit HK$238K · loan HK$2.15M · min. income ≈ HK$22,948/mo (50% DSR)
Upfront cash ≈ HK$239K (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).