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$5,431
−HK$341/mo
▼ 0.25% · 3.875%
HK$5,600
−HK$172/mo
Today · 4.125%
HK$5,772
baseline
▲ 0.50% · 4.625%
HK$6,123
+HK$351/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,544/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,042
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,204
−HK$164/mo
Today · 4.125%
HK$6,368
baseline
▲ 0.50% · 4.625%
HK$6,704
+HK$336/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,736/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,517
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,720
−HK$206/mo
Today · 4.125%
HK$6,926
baseline
▲ 0.50% · 4.625%
HK$7,347
+HK$421/mo
Deposit HK$953K · loan HK$1.43M · min. income ≈ HK$13,852/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,250
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,445
−HK$197/mo
Today · 4.125%
HK$7,642
baseline
▲ 0.50% · 4.625%
HK$8,045
+HK$403/mo
Deposit HK$953K · loan HK$1.43M · min. income ≈ HK$15,284/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,603
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,840
−HK$240/mo
Today · 4.125%
HK$8,080
baseline
▲ 0.50% · 4.625%
HK$8,572
+HK$492/mo
Deposit HK$715K · loan HK$1.67M · min. income ≈ HK$16,160/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,459
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,686
−HK$230/mo
Today · 4.125%
HK$8,916
baseline
▲ 0.50% · 4.625%
HK$9,386
+HK$470/mo
Deposit HK$715K · loan HK$1.67M · min. income ≈ HK$17,832/mo (50% DSR)
Upfront cash ≈ HK$715K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,776
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,080
−HK$309/mo
Today · 4.125%
HK$10,389
baseline
▲ 0.50% · 4.625%
HK$11,021
+HK$632/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$20,778/mo (50% DSR)
Upfront cash ≈ HK$238K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,875
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,167
−HK$296/mo
Today · 4.125%
HK$11,463
baseline
▲ 0.50% · 4.625%
HK$12,067
+HK$604/mo
Deposit HK$238K · loan HK$2.14M · min. income ≈ HK$22,926/mo (50% DSR)
Upfront cash ≈ HK$238K (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).