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$5,552
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,725
−HK$176/mo
Today · 4.125%
HK$5,901
baseline
▲ 0.50% · 4.625%
HK$6,260
+HK$359/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,802/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$6,177
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,343
−HK$168/mo
Today · 4.125%
HK$6,511
baseline
▲ 0.50% · 4.625%
HK$6,854
+HK$343/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,022/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$6,663
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,870
−HK$211/mo
Today · 4.125%
HK$7,081
baseline
▲ 0.50% · 4.625%
HK$7,512
+HK$431/mo
Deposit HK$974K · loan HK$1.46M · min. income ≈ HK$14,162/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$7,412
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,611
−HK$202/mo
Today · 4.125%
HK$7,813
baseline
▲ 0.50% · 4.625%
HK$8,225
+HK$412/mo
Deposit HK$974K · loan HK$1.46M · min. income ≈ HK$15,626/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$7,773
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,015
−HK$246/mo
Today · 4.125%
HK$8,261
baseline
▲ 0.50% · 4.625%
HK$8,763
+HK$502/mo
Deposit HK$730K · loan HK$1.70M · min. income ≈ HK$16,522/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,648
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,880
−HK$235/mo
Today · 4.125%
HK$9,115
baseline
▲ 0.50% · 4.625%
HK$9,595
+HK$480/mo
Deposit HK$730K · loan HK$1.70M · min. income ≈ HK$18,230/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,994
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,305
−HK$316/mo
Today · 4.125%
HK$10,621
baseline
▲ 0.50% · 4.625%
HK$11,267
+HK$646/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$21,242/mo (50% DSR)
Upfront cash ≈ HK$244K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,119
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,417
−HK$302/mo
Today · 4.125%
HK$11,719
baseline
▲ 0.50% · 4.625%
HK$12,337
+HK$618/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$23,438/mo (50% DSR)
Upfront cash ≈ HK$244K (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).