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$5,176
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,337
−HK$163/mo
Today · 4.125%
HK$5,500
baseline
▲ 0.50% · 4.625%
HK$5,835
+HK$335/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$11,000/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$5,758
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,912
−HK$157/mo
Today · 4.125%
HK$6,069
baseline
▲ 0.50% · 4.625%
HK$6,389
+HK$320/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,138/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$6,211
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,404
−HK$196/mo
Today · 4.125%
HK$6,600
baseline
▲ 0.50% · 4.625%
HK$7,002
+HK$402/mo
Deposit HK$908K · loan HK$1.36M · min. income ≈ HK$13,200/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,909
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,095
−HK$188/mo
Today · 4.125%
HK$7,283
baseline
▲ 0.50% · 4.625%
HK$7,667
+HK$384/mo
Deposit HK$908K · loan HK$1.36M · min. income ≈ HK$14,566/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,246
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,471
−HK$229/mo
Today · 4.125%
HK$7,700
baseline
▲ 0.50% · 4.625%
HK$8,169
+HK$469/mo
Deposit HK$681K · loan HK$1.59M · min. income ≈ HK$15,400/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,061
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,277
−HK$219/mo
Today · 4.125%
HK$8,496
baseline
▲ 0.50% · 4.625%
HK$8,944
+HK$448/mo
Deposit HK$681K · loan HK$1.59M · min. income ≈ HK$16,992/mo (50% DSR)
Upfront cash ≈ HK$681K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,316
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,606
−HK$294/mo
Today · 4.125%
HK$9,900
baseline
▲ 0.50% · 4.625%
HK$10,503
+HK$603/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$19,800/mo (50% DSR)
Upfront cash ≈ HK$227K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,364
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,642
−HK$282/mo
Today · 4.125%
HK$10,924
baseline
▲ 0.50% · 4.625%
HK$11,500
+HK$576/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$21,848/mo (50% DSR)
Upfront cash ≈ HK$227K (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).