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$5,356
−HK$336/mo
▼ 0.25% · 3.875%
HK$5,523
−HK$169/mo
Today · 4.125%
HK$5,692
baseline
▲ 0.50% · 4.625%
HK$6,038
+HK$346/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,384/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$5,959
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,118
−HK$162/mo
Today · 4.125%
HK$6,280
baseline
▲ 0.50% · 4.625%
HK$6,611
+HK$331/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,560/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$6,427
−HK$403/mo
▼ 0.25% · 3.875%
HK$6,627
−HK$203/mo
Today · 4.125%
HK$6,830
baseline
▲ 0.50% · 4.625%
HK$7,246
+HK$416/mo
Deposit HK$940K · loan HK$1.41M · min. income ≈ HK$13,660/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,150
−HK$387/mo
▼ 0.25% · 3.875%
HK$7,342
−HK$195/mo
Today · 4.125%
HK$7,537
baseline
▲ 0.50% · 4.625%
HK$7,934
+HK$397/mo
Deposit HK$940K · loan HK$1.41M · min. income ≈ HK$15,074/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,498
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,732
−HK$237/mo
Today · 4.125%
HK$7,969
baseline
▲ 0.50% · 4.625%
HK$8,454
+HK$485/mo
Deposit HK$705K · loan HK$1.64M · min. income ≈ HK$15,938/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,342
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,566
−HK$227/mo
Today · 4.125%
HK$8,793
baseline
▲ 0.50% · 4.625%
HK$9,256
+HK$463/mo
Deposit HK$705K · loan HK$1.64M · min. income ≈ HK$17,586/mo (50% DSR)
Upfront cash ≈ HK$705K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,641
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,941
−HK$304/mo
Today · 4.125%
HK$10,245
baseline
▲ 0.50% · 4.625%
HK$10,869
+HK$624/mo
Deposit HK$235K · loan HK$2.11M · min. income ≈ HK$20,490/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$10,725
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,013
−HK$292/mo
Today · 4.125%
HK$11,305
baseline
▲ 0.50% · 4.625%
HK$11,901
+HK$596/mo
Deposit HK$235K · loan HK$2.11M · min. income ≈ HK$22,610/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).