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$5,363
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,529
−HK$170/mo
Today · 4.125%
HK$5,699
baseline
▲ 0.50% · 4.625%
HK$6,046
+HK$347/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,398/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$5,966
−HK$322/mo
▼ 0.25% · 3.875%
HK$6,126
−HK$162/mo
Today · 4.125%
HK$6,288
baseline
▲ 0.50% · 4.625%
HK$6,620
+HK$332/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,576/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$6,435
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,635
−HK$204/mo
Today · 4.125%
HK$6,839
baseline
▲ 0.50% · 4.625%
HK$7,255
+HK$416/mo
Deposit HK$941K · loan HK$1.41M · min. income ≈ HK$13,678/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,159
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,351
−HK$195/mo
Today · 4.125%
HK$7,546
baseline
▲ 0.50% · 4.625%
HK$7,943
+HK$397/mo
Deposit HK$941K · loan HK$1.41M · min. income ≈ HK$15,092/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,508
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,741
−HK$237/mo
Today · 4.125%
HK$7,978
baseline
▲ 0.50% · 4.625%
HK$8,464
+HK$486/mo
Deposit HK$706K · loan HK$1.65M · min. income ≈ HK$15,956/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,352
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,576
−HK$227/mo
Today · 4.125%
HK$8,803
baseline
▲ 0.50% · 4.625%
HK$9,267
+HK$464/mo
Deposit HK$706K · loan HK$1.65M · min. income ≈ HK$17,606/mo (50% DSR)
Upfront cash ≈ HK$706K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,653
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,953
−HK$305/mo
Today · 4.125%
HK$10,258
baseline
▲ 0.50% · 4.625%
HK$10,882
+HK$624/mo
Deposit HK$235K · loan HK$2.12M · min. income ≈ HK$20,516/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$10,738
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,026
−HK$293/mo
Today · 4.125%
HK$11,319
baseline
▲ 0.50% · 4.625%
HK$11,915
+HK$596/mo
Deposit HK$235K · loan HK$2.12M · min. income ≈ HK$22,638/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).