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$5,690
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,867
−HK$180/mo
Today · 4.125%
HK$6,047
baseline
▲ 0.50% · 4.625%
HK$6,415
+HK$368/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,094/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,330
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,500
−HK$172/mo
Today · 4.125%
HK$6,672
baseline
▲ 0.50% · 4.625%
HK$7,024
+HK$352/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,344/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,828
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,040
−HK$216/mo
Today · 4.125%
HK$7,256
baseline
▲ 0.50% · 4.625%
HK$7,698
+HK$442/mo
Deposit HK$998K · loan HK$1.50M · min. income ≈ HK$14,512/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,596
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,800
−HK$206/mo
Today · 4.125%
HK$8,006
baseline
▲ 0.50% · 4.625%
HK$8,428
+HK$422/mo
Deposit HK$998K · loan HK$1.50M · min. income ≈ HK$16,012/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,966
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,214
−HK$251/mo
Today · 4.125%
HK$8,465
baseline
▲ 0.50% · 4.625%
HK$8,980
+HK$515/mo
Deposit HK$749K · loan HK$1.75M · min. income ≈ HK$16,930/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,862
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,100
−HK$241/mo
Today · 4.125%
HK$9,341
baseline
▲ 0.50% · 4.625%
HK$9,833
+HK$492/mo
Deposit HK$749K · loan HK$1.75M · min. income ≈ HK$18,682/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,242
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,560
−HK$324/mo
Today · 4.125%
HK$10,884
baseline
▲ 0.50% · 4.625%
HK$11,546
+HK$662/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,768/mo (50% DSR)
Upfront cash ≈ HK$250K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,394
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,699
−HK$310/mo
Today · 4.125%
HK$12,009
baseline
▲ 0.50% · 4.625%
HK$12,642
+HK$633/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,018/mo (50% DSR)
Upfront cash ≈ HK$250K (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).