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$5,402
−HK$339/mo
▼ 0.25% · 3.875%
HK$5,570
−HK$171/mo
Today · 4.125%
HK$5,741
baseline
▲ 0.50% · 4.625%
HK$6,090
+HK$349/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,482/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$6,010
−HK$324/mo
▼ 0.25% · 3.875%
HK$6,171
−HK$163/mo
Today · 4.125%
HK$6,334
baseline
▲ 0.50% · 4.625%
HK$6,668
+HK$334/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,668/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$6,482
−HK$407/mo
▼ 0.25% · 3.875%
HK$6,684
−HK$205/mo
Today · 4.125%
HK$6,889
baseline
▲ 0.50% · 4.625%
HK$7,308
+HK$419/mo
Deposit HK$948K · loan HK$1.42M · min. income ≈ HK$13,778/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,212
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,405
−HK$196/mo
Today · 4.125%
HK$7,601
baseline
▲ 0.50% · 4.625%
HK$8,002
+HK$401/mo
Deposit HK$948K · loan HK$1.42M · min. income ≈ HK$15,202/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,563
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,798
−HK$239/mo
Today · 4.125%
HK$8,037
baseline
▲ 0.50% · 4.625%
HK$8,526
+HK$489/mo
Deposit HK$711K · loan HK$1.66M · min. income ≈ HK$16,074/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,414
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,639
−HK$229/mo
Today · 4.125%
HK$8,868
baseline
▲ 0.50% · 4.625%
HK$9,336
+HK$468/mo
Deposit HK$711K · loan HK$1.66M · min. income ≈ HK$17,736/mo (50% DSR)
Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,724
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,026
−HK$307/mo
Today · 4.125%
HK$10,333
baseline
▲ 0.50% · 4.625%
HK$10,962
+HK$629/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$20,666/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$10,818
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,108
−HK$294/mo
Today · 4.125%
HK$11,402
baseline
▲ 0.50% · 4.625%
HK$12,003
+HK$601/mo
Deposit HK$237K · loan HK$2.13M · min. income ≈ HK$22,804/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).