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$5,386
−HK$338/mo
▼ 0.25% · 3.875%
HK$5,553
−HK$171/mo
Today · 4.125%
HK$5,724
baseline
▲ 0.50% · 4.625%
HK$6,072
+HK$348/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$11,448/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$5,992
−HK$323/mo
▼ 0.25% · 3.875%
HK$6,152
−HK$163/mo
Today · 4.125%
HK$6,315
baseline
▲ 0.50% · 4.625%
HK$6,648
+HK$333/mo
Deposit HK$1.18M · loan HK$1.18M · min. income ≈ HK$12,630/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$6,463
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,664
−HK$204/mo
Today · 4.125%
HK$6,868
baseline
▲ 0.50% · 4.625%
HK$7,286
+HK$418/mo
Deposit HK$945K · loan HK$1.42M · min. income ≈ HK$13,736/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,190
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,383
−HK$195/mo
Today · 4.125%
HK$7,578
baseline
▲ 0.50% · 4.625%
HK$7,978
+HK$400/mo
Deposit HK$945K · loan HK$1.42M · min. income ≈ HK$15,156/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,540
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,775
−HK$238/mo
Today · 4.125%
HK$8,013
baseline
▲ 0.50% · 4.625%
HK$8,501
+HK$488/mo
Deposit HK$709K · loan HK$1.65M · min. income ≈ HK$16,026/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,388
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,613
−HK$228/mo
Today · 4.125%
HK$8,841
baseline
▲ 0.50% · 4.625%
HK$9,308
+HK$467/mo
Deposit HK$709K · loan HK$1.65M · min. income ≈ HK$17,682/mo (50% DSR)
Upfront cash ≈ HK$709K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,694
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,996
−HK$306/mo
Today · 4.125%
HK$10,302
baseline
▲ 0.50% · 4.625%
HK$10,929
+HK$627/mo
Deposit HK$236K · loan HK$2.13M · min. income ≈ HK$20,604/mo (50% DSR)
Upfront cash ≈ HK$236K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,785
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,074
−HK$294/mo
Today · 4.125%
HK$11,368
baseline
▲ 0.50% · 4.625%
HK$11,967
+HK$599/mo
Deposit HK$236K · loan HK$2.13M · min. income ≈ HK$22,736/mo (50% DSR)
Upfront cash ≈ HK$236K (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).