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$5,332
−HK$335/mo
▼ 0.25% · 3.875%
HK$5,498
−HK$169/mo
Today · 4.125%
HK$5,667
baseline
▲ 0.50% · 4.625%
HK$6,011
+HK$344/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$11,334/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$5,932
−HK$321/mo
▼ 0.25% · 3.875%
HK$6,091
−HK$162/mo
Today · 4.125%
HK$6,253
baseline
▲ 0.50% · 4.625%
HK$6,582
+HK$329/mo
Deposit HK$1.17M · loan HK$1.17M · min. income ≈ HK$12,506/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$6,399
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,598
−HK$202/mo
Today · 4.125%
HK$6,800
baseline
▲ 0.50% · 4.625%
HK$7,214
+HK$414/mo
Deposit HK$935K · loan HK$1.40M · min. income ≈ HK$13,600/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,119
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,309
−HK$194/mo
Today · 4.125%
HK$7,503
baseline
▲ 0.50% · 4.625%
HK$7,899
+HK$396/mo
Deposit HK$935K · loan HK$1.40M · min. income ≈ HK$15,006/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,465
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,697
−HK$236/mo
Today · 4.125%
HK$7,933
baseline
▲ 0.50% · 4.625%
HK$8,416
+HK$483/mo
Deposit HK$702K · loan HK$1.64M · min. income ≈ HK$15,866/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,305
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,528
−HK$226/mo
Today · 4.125%
HK$8,754
baseline
▲ 0.50% · 4.625%
HK$9,215
+HK$461/mo
Deposit HK$702K · loan HK$1.64M · min. income ≈ HK$17,508/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,598
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,897
−HK$303/mo
Today · 4.125%
HK$10,200
baseline
▲ 0.50% · 4.625%
HK$10,821
+HK$621/mo
Deposit HK$234K · loan HK$2.10M · min. income ≈ HK$20,400/mo (50% DSR)
Upfront cash ≈ HK$234K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,678
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,964
−HK$291/mo
Today · 4.125%
HK$11,255
baseline
▲ 0.50% · 4.625%
HK$11,848
+HK$593/mo
Deposit HK$234K · loan HK$2.10M · min. income ≈ HK$22,510/mo (50% DSR)
Upfront cash ≈ HK$234K (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).