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$5,173
−HK$324/mo
▼ 0.25% · 3.875%
HK$5,334
−HK$163/mo
Today · 4.125%
HK$5,497
baseline
▲ 0.50% · 4.625%
HK$5,832
+HK$335/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,994/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$5,755
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,909
−HK$157/mo
Today · 4.125%
HK$6,066
baseline
▲ 0.50% · 4.625%
HK$6,386
+HK$320/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,132/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$6,208
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,401
−HK$196/mo
Today · 4.125%
HK$6,597
baseline
▲ 0.50% · 4.625%
HK$6,998
+HK$401/mo
Deposit HK$907K · loan HK$1.36M · min. income ≈ HK$13,194/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$6,906
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,091
−HK$188/mo
Today · 4.125%
HK$7,279
baseline
▲ 0.50% · 4.625%
HK$7,663
+HK$384/mo
Deposit HK$907K · loan HK$1.36M · min. income ≈ HK$14,558/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$7,242
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,467
−HK$229/mo
Today · 4.125%
HK$7,696
baseline
▲ 0.50% · 4.625%
HK$8,165
+HK$469/mo
Deposit HK$681K · loan HK$1.59M · min. income ≈ HK$15,392/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$8,057
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,273
−HK$219/mo
Today · 4.125%
HK$8,492
baseline
▲ 0.50% · 4.625%
HK$8,940
+HK$448/mo
Deposit HK$681K · loan HK$1.59M · min. income ≈ HK$16,984/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$9,311
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,601
−HK$294/mo
Today · 4.125%
HK$9,895
baseline
▲ 0.50% · 4.625%
HK$10,497
+HK$602/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$19,790/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$10,359
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,637
−HK$281/mo
Today · 4.125%
HK$10,918
baseline
▲ 0.50% · 4.625%
HK$11,494
+HK$576/mo
Deposit HK$227K · loan HK$2.04M · min. income ≈ HK$21,836/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).