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$5,567
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,740
−HK$176/mo
Today · 4.125%
HK$5,916
baseline
▲ 0.50% · 4.625%
HK$6,276
+HK$360/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,832/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$6,193
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,359
−HK$168/mo
Today · 4.125%
HK$6,527
baseline
▲ 0.50% · 4.625%
HK$6,871
+HK$344/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,054/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$6,680
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,888
−HK$211/mo
Today · 4.125%
HK$7,099
baseline
▲ 0.50% · 4.625%
HK$7,531
+HK$432/mo
Deposit HK$976K · loan HK$1.46M · min. income ≈ HK$14,198/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,431
−HK$402/mo
▼ 0.25% · 3.875%
HK$7,631
−HK$202/mo
Today · 4.125%
HK$7,833
baseline
▲ 0.50% · 4.625%
HK$8,246
+HK$413/mo
Deposit HK$976K · loan HK$1.46M · min. income ≈ HK$15,666/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,793
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,036
−HK$246/mo
Today · 4.125%
HK$8,282
baseline
▲ 0.50% · 4.625%
HK$8,786
+HK$504/mo
Deposit HK$732K · loan HK$1.71M · min. income ≈ HK$16,564/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,670
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,902
−HK$236/mo
Today · 4.125%
HK$9,138
baseline
▲ 0.50% · 4.625%
HK$9,620
+HK$482/mo
Deposit HK$732K · loan HK$1.71M · min. income ≈ HK$18,276/mo (50% DSR)
Upfront cash ≈ HK$732K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,020
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,332
−HK$316/mo
Today · 4.125%
HK$10,648
baseline
▲ 0.50% · 4.625%
HK$11,296
+HK$648/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$21,296/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$11,147
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,446
−HK$303/mo
Today · 4.125%
HK$11,749
baseline
▲ 0.50% · 4.625%
HK$12,369
+HK$620/mo
Deposit HK$244K · loan HK$2.20M · min. income ≈ HK$23,498/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).