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$5,170
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,331
−HK$163/mo
Today · 4.125%
HK$5,494
baseline
▲ 0.50% · 4.625%
HK$5,828
+HK$334/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,988/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$5,751
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,906
−HK$156/mo
Today · 4.125%
HK$6,062
baseline
▲ 0.50% · 4.625%
HK$6,382
+HK$320/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,124/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$6,204
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,397
−HK$196/mo
Today · 4.125%
HK$6,593
baseline
▲ 0.50% · 4.625%
HK$6,994
+HK$401/mo
Deposit HK$907K · loan HK$1.36M · min. income ≈ HK$13,186/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,902
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,087
−HK$188/mo
Today · 4.125%
HK$7,275
baseline
▲ 0.50% · 4.625%
HK$7,658
+HK$383/mo
Deposit HK$907K · loan HK$1.36M · min. income ≈ HK$14,550/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,238
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,463
−HK$229/mo
Today · 4.125%
HK$7,692
baseline
▲ 0.50% · 4.625%
HK$8,160
+HK$468/mo
Deposit HK$680K · loan HK$1.59M · min. income ≈ HK$15,384/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,052
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,268
−HK$219/mo
Today · 4.125%
HK$8,487
baseline
▲ 0.50% · 4.625%
HK$8,934
+HK$447/mo
Deposit HK$680K · loan HK$1.59M · min. income ≈ HK$16,974/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,306
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,595
−HK$294/mo
Today · 4.125%
HK$9,889
baseline
▲ 0.50% · 4.625%
HK$10,491
+HK$602/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$19,778/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$10,353
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,630
−HK$282/mo
Today · 4.125%
HK$10,912
baseline
▲ 0.50% · 4.625%
HK$11,487
+HK$575/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$21,824/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).