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$5,270
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,434
−HK$167/mo
Today · 4.125%
HK$5,601
baseline
▲ 0.50% · 4.625%
HK$5,941
+HK$340/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,202/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,863
−HK$317/mo
▼ 0.25% · 3.875%
HK$6,020
−HK$160/mo
Today · 4.125%
HK$6,180
baseline
▲ 0.50% · 4.625%
HK$6,506
+HK$326/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,360/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,324
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,521
−HK$200/mo
Today · 4.125%
HK$6,721
baseline
▲ 0.50% · 4.625%
HK$7,130
+HK$409/mo
Deposit HK$924K · loan HK$1.39M · min. income ≈ HK$13,442/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,036
−HK$380/mo
▼ 0.25% · 3.875%
HK$7,224
−HK$192/mo
Today · 4.125%
HK$7,416
baseline
▲ 0.50% · 4.625%
HK$7,807
+HK$391/mo
Deposit HK$924K · loan HK$1.39M · min. income ≈ HK$14,832/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,378
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,608
−HK$233/mo
Today · 4.125%
HK$7,841
baseline
▲ 0.50% · 4.625%
HK$8,318
+HK$477/mo
Deposit HK$693K · loan HK$1.62M · min. income ≈ HK$15,682/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,208
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,428
−HK$224/mo
Today · 4.125%
HK$8,652
baseline
▲ 0.50% · 4.625%
HK$9,108
+HK$456/mo
Deposit HK$693K · loan HK$1.62M · min. income ≈ HK$17,304/mo (50% DSR)
Upfront cash ≈ HK$693K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,486
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,781
−HK$300/mo
Today · 4.125%
HK$10,081
baseline
▲ 0.50% · 4.625%
HK$10,695
+HK$614/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$20,162/mo (50% DSR)
Upfront cash ≈ HK$231K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,554
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,837
−HK$287/mo
Today · 4.125%
HK$11,124
baseline
▲ 0.50% · 4.625%
HK$11,710
+HK$586/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$22,248/mo (50% DSR)
Upfront cash ≈ HK$231K (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).