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$5,164
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,324
−HK$163/mo
Today · 4.125%
HK$5,487
baseline
▲ 0.50% · 4.625%
HK$5,821
+HK$334/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,974/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,744
−HK$311/mo
▼ 0.25% · 3.875%
HK$5,899
−HK$156/mo
Today · 4.125%
HK$6,055
baseline
▲ 0.50% · 4.625%
HK$6,374
+HK$319/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,110/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,196
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,389
−HK$196/mo
Today · 4.125%
HK$6,585
baseline
▲ 0.50% · 4.625%
HK$6,986
+HK$401/mo
Deposit HK$906K · loan HK$1.36M · min. income ≈ HK$13,170/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,893
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,078
−HK$188/mo
Today · 4.125%
HK$7,266
baseline
▲ 0.50% · 4.625%
HK$7,649
+HK$383/mo
Deposit HK$906K · loan HK$1.36M · min. income ≈ HK$14,532/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,229
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,454
−HK$228/mo
Today · 4.125%
HK$7,682
baseline
▲ 0.50% · 4.625%
HK$8,150
+HK$468/mo
Deposit HK$679K · loan HK$1.59M · min. income ≈ HK$15,364/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,042
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,258
−HK$219/mo
Today · 4.125%
HK$8,477
baseline
▲ 0.50% · 4.625%
HK$8,924
+HK$447/mo
Deposit HK$679K · loan HK$1.59M · min. income ≈ HK$16,954/mo (50% DSR)
Upfront cash ≈ HK$679K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,294
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,584
−HK$293/mo
Today · 4.125%
HK$9,877
baseline
▲ 0.50% · 4.625%
HK$10,478
+HK$601/mo
Deposit HK$226K · loan HK$2.04M · min. income ≈ HK$19,754/mo (50% DSR)
Upfront cash ≈ HK$227K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,340
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,617
−HK$282/mo
Today · 4.125%
HK$10,899
baseline
▲ 0.50% · 4.625%
HK$11,473
+HK$574/mo
Deposit HK$226K · loan HK$2.04M · min. income ≈ HK$21,798/mo (50% DSR)
Upfront cash ≈ HK$227K (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).