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$5,593
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,767
−HK$177/mo
Today · 4.125%
HK$5,944
baseline
▲ 0.50% · 4.625%
HK$6,305
+HK$361/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,888/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,222
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,389
−HK$169/mo
Today · 4.125%
HK$6,558
baseline
▲ 0.50% · 4.625%
HK$6,904
+HK$346/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,116/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,712
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,920
−HK$212/mo
Today · 4.125%
HK$7,132
baseline
▲ 0.50% · 4.625%
HK$7,566
+HK$434/mo
Deposit HK$981K · loan HK$1.47M · min. income ≈ HK$14,264/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,467
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,667
−HK$203/mo
Today · 4.125%
HK$7,870
baseline
▲ 0.50% · 4.625%
HK$8,285
+HK$415/mo
Deposit HK$981K · loan HK$1.47M · min. income ≈ HK$15,740/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,830
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,074
−HK$247/mo
Today · 4.125%
HK$8,321
baseline
▲ 0.50% · 4.625%
HK$8,827
+HK$506/mo
Deposit HK$736K · loan HK$1.72M · min. income ≈ HK$16,642/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,711
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,945
−HK$237/mo
Today · 4.125%
HK$9,182
baseline
▲ 0.50% · 4.625%
HK$9,666
+HK$484/mo
Deposit HK$736K · loan HK$1.72M · min. income ≈ HK$18,364/mo (50% DSR)
Upfront cash ≈ HK$736K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,067
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,380
−HK$319/mo
Today · 4.125%
HK$10,699
baseline
▲ 0.50% · 4.625%
HK$11,350
+HK$651/mo
Deposit HK$245K · loan HK$2.21M · min. income ≈ HK$21,398/mo (50% DSR)
Upfront cash ≈ HK$245K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,200
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,500
−HK$305/mo
Today · 4.125%
HK$11,805
baseline
▲ 0.50% · 4.625%
HK$12,427
+HK$622/mo
Deposit HK$245K · loan HK$2.21M · min. income ≈ HK$23,610/mo (50% DSR)
Upfront cash ≈ HK$245K (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).