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$5,262
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,425
−HK$167/mo
Today · 4.125%
HK$5,592
baseline
▲ 0.50% · 4.625%
HK$5,932
+HK$340/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,184/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,854
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,011
−HK$159/mo
Today · 4.125%
HK$6,170
baseline
▲ 0.50% · 4.625%
HK$6,495
+HK$325/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,340/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,314
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,511
−HK$199/mo
Today · 4.125%
HK$6,710
baseline
▲ 0.50% · 4.625%
HK$7,118
+HK$408/mo
Deposit HK$923K · loan HK$1.38M · min. income ≈ HK$13,420/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,024
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,213
−HK$191/mo
Today · 4.125%
HK$7,404
baseline
▲ 0.50% · 4.625%
HK$7,794
+HK$390/mo
Deposit HK$923K · loan HK$1.38M · min. income ≈ HK$14,808/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,367
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,596
−HK$232/mo
Today · 4.125%
HK$7,828
baseline
▲ 0.50% · 4.625%
HK$8,305
+HK$477/mo
Deposit HK$692K · loan HK$1.62M · min. income ≈ HK$15,656/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,195
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,415
−HK$223/mo
Today · 4.125%
HK$8,638
baseline
▲ 0.50% · 4.625%
HK$9,093
+HK$455/mo
Deposit HK$692K · loan HK$1.62M · min. income ≈ HK$17,276/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,471
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,766
−HK$299/mo
Today · 4.125%
HK$10,065
baseline
▲ 0.50% · 4.625%
HK$10,678
+HK$613/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$20,130/mo (50% DSR)
Upfront cash ≈ HK$231K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,537
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,819
−HK$287/mo
Today · 4.125%
HK$11,106
baseline
▲ 0.50% · 4.625%
HK$11,691
+HK$585/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$22,212/mo (50% DSR)
Upfront cash ≈ HK$231K (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).