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$5,190
−HK$325/mo
▼ 0.25% · 3.875%
HK$5,351
−HK$164/mo
Today · 4.125%
HK$5,515
baseline
▲ 0.50% · 4.625%
HK$5,851
+HK$336/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$11,030/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$5,774
−HK$312/mo
▼ 0.25% · 3.875%
HK$5,928
−HK$158/mo
Today · 4.125%
HK$6,086
baseline
▲ 0.50% · 4.625%
HK$6,406
+HK$320/mo
Deposit HK$1.14M · loan HK$1.14M · min. income ≈ HK$12,172/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$6,228
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,421
−HK$197/mo
Today · 4.125%
HK$6,618
baseline
▲ 0.50% · 4.625%
HK$7,021
+HK$403/mo
Deposit HK$910K · loan HK$1.37M · min. income ≈ HK$13,236/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,928
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,114
−HK$189/mo
Today · 4.125%
HK$7,303
baseline
▲ 0.50% · 4.625%
HK$7,688
+HK$385/mo
Deposit HK$910K · loan HK$1.37M · min. income ≈ HK$14,606/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,266
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,492
−HK$229/mo
Today · 4.125%
HK$7,721
baseline
▲ 0.50% · 4.625%
HK$8,191
+HK$470/mo
Deposit HK$683K · loan HK$1.59M · min. income ≈ HK$15,442/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,083
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,300
−HK$220/mo
Today · 4.125%
HK$8,520
baseline
▲ 0.50% · 4.625%
HK$8,969
+HK$449/mo
Deposit HK$683K · loan HK$1.59M · min. income ≈ HK$17,040/mo (50% DSR)
Upfront cash ≈ HK$683K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,342
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,632
−HK$295/mo
Today · 4.125%
HK$9,927
baseline
▲ 0.50% · 4.625%
HK$10,531
+HK$604/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$19,854/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$10,392
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,671
−HK$283/mo
Today · 4.125%
HK$10,954
baseline
▲ 0.50% · 4.625%
HK$11,531
+HK$577/mo
Deposit HK$228K · loan HK$2.05M · min. income ≈ HK$21,908/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).