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$5,413
−HK$340/mo
▼ 0.25% · 3.875%
HK$5,582
−HK$171/mo
Today · 4.125%
HK$5,753
baseline
▲ 0.50% · 4.625%
HK$6,103
+HK$350/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$11,506/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,022
−HK$326/mo
▼ 0.25% · 3.875%
HK$6,184
−HK$164/mo
Today · 4.125%
HK$6,348
baseline
▲ 0.50% · 4.625%
HK$6,682
+HK$334/mo
Deposit HK$1.19M · loan HK$1.19M · min. income ≈ HK$12,696/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,496
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,698
−HK$206/mo
Today · 4.125%
HK$6,904
baseline
▲ 0.50% · 4.625%
HK$7,324
+HK$420/mo
Deposit HK$950K · loan HK$1.42M · min. income ≈ HK$13,808/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,227
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,421
−HK$196/mo
Today · 4.125%
HK$7,617
baseline
▲ 0.50% · 4.625%
HK$8,019
+HK$402/mo
Deposit HK$950K · loan HK$1.42M · min. income ≈ HK$15,234/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,579
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,815
−HK$239/mo
Today · 4.125%
HK$8,054
baseline
▲ 0.50% · 4.625%
HK$8,544
+HK$490/mo
Deposit HK$712K · loan HK$1.66M · min. income ≈ HK$16,108/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,431
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,658
−HK$229/mo
Today · 4.125%
HK$8,887
baseline
▲ 0.50% · 4.625%
HK$9,355
+HK$468/mo
Deposit HK$712K · loan HK$1.66M · min. income ≈ HK$17,774/mo (50% DSR)
Upfront cash ≈ HK$712K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,744
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,047
−HK$308/mo
Today · 4.125%
HK$10,355
baseline
▲ 0.50% · 4.625%
HK$10,985
+HK$630/mo
Deposit HK$237K · loan HK$2.14M · min. income ≈ HK$20,710/mo (50% DSR)
Upfront cash ≈ HK$238K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,840
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,131
−HK$295/mo
Today · 4.125%
HK$11,426
baseline
▲ 0.50% · 4.625%
HK$12,028
+HK$602/mo
Deposit HK$237K · loan HK$2.14M · min. income ≈ HK$22,852/mo (50% DSR)
Upfront cash ≈ HK$238K (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).