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$5,549
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,722
−HK$175/mo
Today · 4.125%
HK$5,897
baseline
▲ 0.50% · 4.625%
HK$6,256
+HK$359/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,794/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,174
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,339
−HK$168/mo
Today · 4.125%
HK$6,507
baseline
▲ 0.50% · 4.625%
HK$6,850
+HK$343/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,014/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,659
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,866
−HK$211/mo
Today · 4.125%
HK$7,077
baseline
▲ 0.50% · 4.625%
HK$7,508
+HK$431/mo
Deposit HK$973K · loan HK$1.46M · min. income ≈ HK$14,154/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,408
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,607
−HK$202/mo
Today · 4.125%
HK$7,809
baseline
▲ 0.50% · 4.625%
HK$8,220
+HK$411/mo
Deposit HK$973K · loan HK$1.46M · min. income ≈ HK$15,618/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,769
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,011
−HK$245/mo
Today · 4.125%
HK$8,256
baseline
▲ 0.50% · 4.625%
HK$8,759
+HK$503/mo
Deposit HK$730K · loan HK$1.70M · min. income ≈ HK$16,512/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,643
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,875
−HK$235/mo
Today · 4.125%
HK$9,110
baseline
▲ 0.50% · 4.625%
HK$9,590
+HK$480/mo
Deposit HK$730K · loan HK$1.70M · min. income ≈ HK$18,220/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,989
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,300
−HK$315/mo
Today · 4.125%
HK$10,615
baseline
▲ 0.50% · 4.625%
HK$11,261
+HK$646/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$21,230/mo (50% DSR)
Upfront cash ≈ HK$243K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,113
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,411
−HK$302/mo
Today · 4.125%
HK$11,713
baseline
▲ 0.50% · 4.625%
HK$12,330
+HK$617/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$23,426/mo (50% DSR)
Upfront cash ≈ HK$243K (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).