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$5,349
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,515
−HK$169/mo
Today · 4.125%
HK$5,684
baseline
▲ 0.50% · 4.625%
HK$6,030
+HK$346/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,368/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,950
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,110
−HK$162/mo
Today · 4.125%
HK$6,272
baseline
▲ 0.50% · 4.625%
HK$6,602
+HK$330/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,544/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,418
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,618
−HK$203/mo
Today · 4.125%
HK$6,821
baseline
▲ 0.50% · 4.625%
HK$7,236
+HK$415/mo
Deposit HK$938K · loan HK$1.41M · min. income ≈ HK$13,642/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,140
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,332
−HK$194/mo
Today · 4.125%
HK$7,526
baseline
▲ 0.50% · 4.625%
HK$7,923
+HK$397/mo
Deposit HK$938K · loan HK$1.41M · min. income ≈ HK$15,052/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,488
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,721
−HK$236/mo
Today · 4.125%
HK$7,957
baseline
▲ 0.50% · 4.625%
HK$8,442
+HK$485/mo
Deposit HK$704K · loan HK$1.64M · min. income ≈ HK$15,914/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,330
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,554
−HK$226/mo
Today · 4.125%
HK$8,780
baseline
▲ 0.50% · 4.625%
HK$9,243
+HK$463/mo
Deposit HK$704K · loan HK$1.64M · min. income ≈ HK$17,560/mo (50% DSR)
Upfront cash ≈ HK$704K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,627
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,927
−HK$304/mo
Today · 4.125%
HK$10,231
baseline
▲ 0.50% · 4.625%
HK$10,854
+HK$623/mo
Deposit HK$235K · loan HK$2.11M · min. income ≈ HK$20,462/mo (50% DSR)
Upfront cash ≈ HK$235K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,710
−HK$579/mo
▼ 0.25% · 3.875%
HK$10,998
−HK$291/mo
Today · 4.125%
HK$11,289
baseline
▲ 0.50% · 4.625%
HK$11,884
+HK$595/mo
Deposit HK$235K · loan HK$2.11M · min. income ≈ HK$22,578/mo (50% DSR)
Upfront cash ≈ HK$235K (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).