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$5,454
−HK$342/mo
▼ 0.25% · 3.875%
HK$5,623
−HK$173/mo
Today · 4.125%
HK$5,796
baseline
▲ 0.50% · 4.625%
HK$6,148
+HK$352/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$11,592/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,067
−HK$328/mo
▼ 0.25% · 3.875%
HK$6,230
−HK$165/mo
Today · 4.125%
HK$6,395
baseline
▲ 0.50% · 4.625%
HK$6,732
+HK$337/mo
Deposit HK$1.20M · loan HK$1.20M · min. income ≈ HK$12,790/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,544
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,748
−HK$207/mo
Today · 4.125%
HK$6,955
baseline
▲ 0.50% · 4.625%
HK$7,378
+HK$423/mo
Deposit HK$957K · loan HK$1.44M · min. income ≈ HK$13,910/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,281
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,476
−HK$198/mo
Today · 4.125%
HK$7,674
baseline
▲ 0.50% · 4.625%
HK$8,079
+HK$405/mo
Deposit HK$957K · loan HK$1.44M · min. income ≈ HK$15,348/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,635
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,873
−HK$241/mo
Today · 4.125%
HK$8,114
baseline
▲ 0.50% · 4.625%
HK$8,608
+HK$494/mo
Deposit HK$718K · loan HK$1.67M · min. income ≈ HK$16,228/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,494
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,722
−HK$231/mo
Today · 4.125%
HK$8,953
baseline
▲ 0.50% · 4.625%
HK$9,425
+HK$472/mo
Deposit HK$718K · loan HK$1.67M · min. income ≈ HK$17,906/mo (50% DSR)
Upfront cash ≈ HK$718K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,817
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,122
−HK$310/mo
Today · 4.125%
HK$10,432
baseline
▲ 0.50% · 4.625%
HK$11,067
+HK$635/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$20,864/mo (50% DSR)
Upfront cash ≈ HK$239K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,921
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,214
−HK$297/mo
Today · 4.125%
HK$11,511
baseline
▲ 0.50% · 4.625%
HK$12,118
+HK$607/mo
Deposit HK$239K · loan HK$2.15M · min. income ≈ HK$23,022/mo (50% DSR)
Upfront cash ≈ HK$239K (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).