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$5,297
−HK$332/mo
▼ 0.25% · 3.875%
HK$5,461
−HK$168/mo
Today · 4.125%
HK$5,629
baseline
▲ 0.50% · 4.625%
HK$5,971
+HK$342/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,258/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,892
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,050
−HK$161/mo
Today · 4.125%
HK$6,211
baseline
▲ 0.50% · 4.625%
HK$6,538
+HK$327/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,422/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,356
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,554
−HK$200/mo
Today · 4.125%
HK$6,754
baseline
▲ 0.50% · 4.625%
HK$7,165
+HK$411/mo
Deposit HK$929K · loan HK$1.39M · min. income ≈ HK$13,508/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,071
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,260
−HK$193/mo
Today · 4.125%
HK$7,453
baseline
▲ 0.50% · 4.625%
HK$7,846
+HK$393/mo
Deposit HK$929K · loan HK$1.39M · min. income ≈ HK$14,906/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,415
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,646
−HK$234/mo
Today · 4.125%
HK$7,880
baseline
▲ 0.50% · 4.625%
HK$8,360
+HK$480/mo
Deposit HK$697K · loan HK$1.63M · min. income ≈ HK$15,760/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,249
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,471
−HK$224/mo
Today · 4.125%
HK$8,695
baseline
▲ 0.50% · 4.625%
HK$9,153
+HK$458/mo
Deposit HK$697K · loan HK$1.63M · min. income ≈ HK$17,390/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,534
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,830
−HK$302/mo
Today · 4.125%
HK$10,132
baseline
▲ 0.50% · 4.625%
HK$10,748
+HK$616/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$20,264/mo (50% DSR)
Upfront cash ≈ HK$232K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,606
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,891
−HK$288/mo
Today · 4.125%
HK$11,179
baseline
▲ 0.50% · 4.625%
HK$11,769
+HK$590/mo
Deposit HK$232K · loan HK$2.09M · min. income ≈ HK$22,358/mo (50% DSR)
Upfront cash ≈ HK$232K (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).