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$5,310
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,476
−HK$167/mo
Today · 4.125%
HK$5,643
baseline
▲ 0.50% · 4.625%
HK$5,987
+HK$344/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,286/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,908
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,066
−HK$161/mo
Today · 4.125%
HK$6,227
baseline
▲ 0.50% · 4.625%
HK$6,555
+HK$328/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,454/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,373
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,571
−HK$201/mo
Today · 4.125%
HK$6,772
baseline
▲ 0.50% · 4.625%
HK$7,184
+HK$412/mo
Deposit HK$932K · loan HK$1.40M · min. income ≈ HK$13,544/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,089
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,280
−HK$192/mo
Today · 4.125%
HK$7,472
baseline
▲ 0.50% · 4.625%
HK$7,866
+HK$394/mo
Deposit HK$932K · loan HK$1.40M · min. income ≈ HK$14,944/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,435
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,666
−HK$235/mo
Today · 4.125%
HK$7,901
baseline
▲ 0.50% · 4.625%
HK$8,382
+HK$481/mo
Deposit HK$699K · loan HK$1.63M · min. income ≈ HK$15,802/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,271
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,493
−HK$225/mo
Today · 4.125%
HK$8,718
baseline
▲ 0.50% · 4.625%
HK$9,177
+HK$459/mo
Deposit HK$699K · loan HK$1.63M · min. income ≈ HK$17,436/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,559
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,856
−HK$302/mo
Today · 4.125%
HK$10,158
baseline
▲ 0.50% · 4.625%
HK$10,776
+HK$618/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$20,316/mo (50% DSR)
Upfront cash ≈ HK$233K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,634
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,919
−HK$290/mo
Today · 4.125%
HK$11,209
baseline
▲ 0.50% · 4.625%
HK$11,799
+HK$590/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$22,418/mo (50% DSR)
Upfront cash ≈ HK$233K (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).