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$5,197
−HK$326/mo
▼ 0.25% · 3.875%
HK$5,359
−HK$164/mo
Today · 4.125%
HK$5,523
baseline
▲ 0.50% · 4.625%
HK$5,859
+HK$336/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,046/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,782
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,937
−HK$157/mo
Today · 4.125%
HK$6,094
baseline
▲ 0.50% · 4.625%
HK$6,415
+HK$321/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,188/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,237
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,431
−HK$197/mo
Today · 4.125%
HK$6,628
baseline
▲ 0.50% · 4.625%
HK$7,031
+HK$403/mo
Deposit HK$912K · loan HK$1.37M · min. income ≈ HK$13,256/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,938
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,124
−HK$189/mo
Today · 4.125%
HK$7,313
baseline
▲ 0.50% · 4.625%
HK$7,698
+HK$385/mo
Deposit HK$912K · loan HK$1.37M · min. income ≈ HK$14,626/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,276
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,502
−HK$230/mo
Today · 4.125%
HK$7,732
baseline
▲ 0.50% · 4.625%
HK$8,203
+HK$471/mo
Deposit HK$684K · loan HK$1.60M · min. income ≈ HK$15,464/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,094
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,312
−HK$220/mo
Today · 4.125%
HK$8,532
baseline
▲ 0.50% · 4.625%
HK$8,982
+HK$450/mo
Deposit HK$684K · loan HK$1.60M · min. income ≈ HK$17,064/mo (50% DSR)
Upfront cash ≈ HK$684K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,355
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,646
−HK$295/mo
Today · 4.125%
HK$9,941
baseline
▲ 0.50% · 4.625%
HK$10,546
+HK$605/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$19,882/mo (50% DSR)
Upfront cash ≈ HK$228K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,407
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,686
−HK$283/mo
Today · 4.125%
HK$10,969
baseline
▲ 0.50% · 4.625%
HK$11,548
+HK$579/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$21,938/mo (50% DSR)
Upfront cash ≈ HK$228K (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).