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$5,392
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,559
−HK$171/mo
Today · 4.125%
HK$5,730
baseline
▲ 0.50% · 4.625%
HK$6,078
+HK$348/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,460/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,998
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,159
−HK$163/mo
Today · 4.125%
HK$6,322
baseline
▲ 0.50% · 4.625%
HK$6,655
+HK$333/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,644/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,470
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,671
−HK$205/mo
Today · 4.125%
HK$6,876
baseline
▲ 0.50% · 4.625%
HK$7,294
+HK$418/mo
Deposit HK$946K · loan HK$1.42M · min. income ≈ HK$13,752/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,198
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,391
−HK$196/mo
Today · 4.125%
HK$7,587
baseline
▲ 0.50% · 4.625%
HK$7,986
+HK$399/mo
Deposit HK$946K · loan HK$1.42M · min. income ≈ HK$15,174/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,548
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,783
−HK$239/mo
Today · 4.125%
HK$8,022
baseline
▲ 0.50% · 4.625%
HK$8,510
+HK$488/mo
Deposit HK$709K · loan HK$1.66M · min. income ≈ HK$16,044/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,397
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,623
−HK$228/mo
Today · 4.125%
HK$8,851
baseline
▲ 0.50% · 4.625%
HK$9,318
+HK$467/mo
Deposit HK$709K · loan HK$1.66M · min. income ≈ HK$17,702/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,705
−HK$608/mo
▼ 0.25% · 3.875%
HK$10,007
−HK$306/mo
Today · 4.125%
HK$10,313
baseline
▲ 0.50% · 4.625%
HK$10,941
+HK$628/mo
Deposit HK$236K · loan HK$2.13M · min. income ≈ HK$20,626/mo (50% DSR)
Upfront cash ≈ HK$237K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,797
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,086
−HK$294/mo
Today · 4.125%
HK$11,380
baseline
▲ 0.50% · 4.625%
HK$11,980
+HK$600/mo
Deposit HK$236K · loan HK$2.13M · min. income ≈ HK$22,760/mo (50% DSR)
Upfront cash ≈ HK$237K (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).