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$5,640
−HK$353/mo
▼ 0.25% · 3.875%
HK$5,815
−HK$178/mo
Today · 4.125%
HK$5,993
baseline
▲ 0.50% · 4.625%
HK$6,358
+HK$365/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$11,986/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,274
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,442
−HK$171/mo
Today · 4.125%
HK$6,613
baseline
▲ 0.50% · 4.625%
HK$6,961
+HK$348/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,226/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,767
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,978
−HK$214/mo
Today · 4.125%
HK$7,192
baseline
▲ 0.50% · 4.625%
HK$7,629
+HK$437/mo
Deposit HK$989K · loan HK$1.48M · min. income ≈ HK$14,384/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,529
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,731
−HK$204/mo
Today · 4.125%
HK$7,935
baseline
▲ 0.50% · 4.625%
HK$8,354
+HK$419/mo
Deposit HK$989K · loan HK$1.48M · min. income ≈ HK$15,870/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,895
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,141
−HK$249/mo
Today · 4.125%
HK$8,390
baseline
▲ 0.50% · 4.625%
HK$8,901
+HK$511/mo
Deposit HK$742K · loan HK$1.73M · min. income ≈ HK$16,780/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,783
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,019
−HK$239/mo
Today · 4.125%
HK$9,258
baseline
▲ 0.50% · 4.625%
HK$9,746
+HK$488/mo
Deposit HK$742K · loan HK$1.73M · min. income ≈ HK$18,516/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,151
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,467
−HK$321/mo
Today · 4.125%
HK$10,788
baseline
▲ 0.50% · 4.625%
HK$11,444
+HK$656/mo
Deposit HK$247K · loan HK$2.23M · min. income ≈ HK$21,576/mo (50% DSR)
Upfront cash ≈ HK$247K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,293
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,596
−HK$307/mo
Today · 4.125%
HK$11,903
baseline
▲ 0.50% · 4.625%
HK$12,531
+HK$628/mo
Deposit HK$247K · loan HK$2.23M · min. income ≈ HK$23,806/mo (50% DSR)
Upfront cash ≈ HK$247K (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).