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$5,232
−HK$328/mo
▼ 0.25% · 3.875%
HK$5,394
−HK$166/mo
Today · 4.125%
HK$5,560
baseline
▲ 0.50% · 4.625%
HK$5,898
+HK$338/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$11,120/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$5,820
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,976
−HK$158/mo
Today · 4.125%
HK$6,134
baseline
▲ 0.50% · 4.625%
HK$6,458
+HK$324/mo
Deposit HK$1.15M · loan HK$1.15M · min. income ≈ HK$12,268/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$6,278
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,473
−HK$199/mo
Today · 4.125%
HK$6,672
baseline
▲ 0.50% · 4.625%
HK$7,077
+HK$405/mo
Deposit HK$918K · loan HK$1.38M · min. income ≈ HK$13,344/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,984
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,171
−HK$190/mo
Today · 4.125%
HK$7,361
baseline
▲ 0.50% · 4.625%
HK$7,749
+HK$388/mo
Deposit HK$918K · loan HK$1.38M · min. income ≈ HK$14,722/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,324
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,552
−HK$231/mo
Today · 4.125%
HK$7,783
baseline
▲ 0.50% · 4.625%
HK$8,257
+HK$474/mo
Deposit HK$688K · loan HK$1.61M · min. income ≈ HK$15,566/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,148
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,367
−HK$221/mo
Today · 4.125%
HK$8,588
baseline
▲ 0.50% · 4.625%
HK$9,041
+HK$453/mo
Deposit HK$688K · loan HK$1.61M · min. income ≈ HK$17,176/mo (50% DSR)
Upfront cash ≈ HK$688K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,417
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,710
−HK$297/mo
Today · 4.125%
HK$10,007
baseline
▲ 0.50% · 4.625%
HK$10,616
+HK$609/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$20,014/mo (50% DSR)
Upfront cash ≈ HK$230K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,476
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,757
−HK$285/mo
Today · 4.125%
HK$11,042
baseline
▲ 0.50% · 4.625%
HK$11,624
+HK$582/mo
Deposit HK$229K · loan HK$2.06M · min. income ≈ HK$22,084/mo (50% DSR)
Upfront cash ≈ HK$230K (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).