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$5,260
−HK$330/mo
▼ 0.25% · 3.875%
HK$5,424
−HK$166/mo
Today · 4.125%
HK$5,590
baseline
▲ 0.50% · 4.625%
HK$5,930
+HK$340/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,180/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,852
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,009
−HK$159/mo
Today · 4.125%
HK$6,168
baseline
▲ 0.50% · 4.625%
HK$6,494
+HK$326/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,336/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,313
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,509
−HK$199/mo
Today · 4.125%
HK$6,708
baseline
▲ 0.50% · 4.625%
HK$7,117
+HK$409/mo
Deposit HK$923K · loan HK$1.38M · min. income ≈ HK$13,416/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,023
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,211
−HK$191/mo
Today · 4.125%
HK$7,402
baseline
▲ 0.50% · 4.625%
HK$7,792
+HK$390/mo
Deposit HK$923K · loan HK$1.38M · min. income ≈ HK$14,804/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,365
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,594
−HK$232/mo
Today · 4.125%
HK$7,826
baseline
▲ 0.50% · 4.625%
HK$8,303
+HK$477/mo
Deposit HK$692K · loan HK$1.61M · min. income ≈ HK$15,652/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,193
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,413
−HK$223/mo
Today · 4.125%
HK$8,636
baseline
▲ 0.50% · 4.625%
HK$9,091
+HK$455/mo
Deposit HK$692K · loan HK$1.61M · min. income ≈ HK$17,272/mo (50% DSR)
Upfront cash ≈ HK$692K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,469
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,763
−HK$300/mo
Today · 4.125%
HK$10,063
baseline
▲ 0.50% · 4.625%
HK$10,675
+HK$612/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$20,126/mo (50% DSR)
Upfront cash ≈ HK$231K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,534
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,816
−HK$287/mo
Today · 4.125%
HK$11,103
baseline
▲ 0.50% · 4.625%
HK$11,688
+HK$585/mo
Deposit HK$231K · loan HK$2.08M · min. income ≈ HK$22,206/mo (50% DSR)
Upfront cash ≈ HK$231K (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).