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$5,151
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,312
−HK$162/mo
Today · 4.125%
HK$5,474
baseline
▲ 0.50% · 4.625%
HK$5,807
+HK$333/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,948/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$5,731
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,885
−HK$155/mo
Today · 4.125%
HK$6,040
baseline
▲ 0.50% · 4.625%
HK$6,359
+HK$319/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,080/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$6,182
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,374
−HK$195/mo
Today · 4.125%
HK$6,569
baseline
▲ 0.50% · 4.625%
HK$6,969
+HK$400/mo
Deposit HK$904K · loan HK$1.36M · min. income ≈ HK$13,138/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,877
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,061
−HK$188/mo
Today · 4.125%
HK$7,249
baseline
▲ 0.50% · 4.625%
HK$7,631
+HK$382/mo
Deposit HK$904K · loan HK$1.36M · min. income ≈ HK$14,498/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,212
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,436
−HK$228/mo
Today · 4.125%
HK$7,664
baseline
▲ 0.50% · 4.625%
HK$8,130
+HK$466/mo
Deposit HK$678K · loan HK$1.58M · min. income ≈ HK$15,328/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,023
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,238
−HK$219/mo
Today · 4.125%
HK$8,457
baseline
▲ 0.50% · 4.625%
HK$8,902
+HK$445/mo
Deposit HK$678K · loan HK$1.58M · min. income ≈ HK$16,914/mo (50% DSR)
Upfront cash ≈ HK$678K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,272
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,561
−HK$293/mo
Today · 4.125%
HK$9,854
baseline
▲ 0.50% · 4.625%
HK$10,453
+HK$599/mo
Deposit HK$226K · loan HK$2.03M · min. income ≈ HK$19,708/mo (50% DSR)
Upfront cash ≈ HK$226K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,315
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,592
−HK$281/mo
Today · 4.125%
HK$10,873
baseline
▲ 0.50% · 4.625%
HK$11,446
+HK$573/mo
Deposit HK$226K · loan HK$2.03M · min. income ≈ HK$21,746/mo (50% DSR)
Upfront cash ≈ HK$226K (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).