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$5,535
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,707
−HK$175/mo
Today · 4.125%
HK$5,882
baseline
▲ 0.50% · 4.625%
HK$6,240
+HK$358/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,764/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,158
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,323
−HK$168/mo
Today · 4.125%
HK$6,491
baseline
▲ 0.50% · 4.625%
HK$6,833
+HK$342/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,982/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,642
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,849
−HK$210/mo
Today · 4.125%
HK$7,059
baseline
▲ 0.50% · 4.625%
HK$7,488
+HK$429/mo
Deposit HK$971K · loan HK$1.46M · min. income ≈ HK$14,118/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,389
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,588
−HK$201/mo
Today · 4.125%
HK$7,789
baseline
▲ 0.50% · 4.625%
HK$8,199
+HK$410/mo
Deposit HK$971K · loan HK$1.46M · min. income ≈ HK$15,578/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,749
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,990
−HK$245/mo
Today · 4.125%
HK$8,235
baseline
▲ 0.50% · 4.625%
HK$8,736
+HK$501/mo
Deposit HK$728K · loan HK$1.70M · min. income ≈ HK$16,470/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,621
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,852
−HK$235/mo
Today · 4.125%
HK$9,087
baseline
▲ 0.50% · 4.625%
HK$9,566
+HK$479/mo
Deposit HK$728K · loan HK$1.70M · min. income ≈ HK$18,174/mo (50% DSR)
Upfront cash ≈ HK$728K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,963
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,273
−HK$315/mo
Today · 4.125%
HK$10,588
baseline
▲ 0.50% · 4.625%
HK$11,232
+HK$644/mo
Deposit HK$243K · loan HK$2.18M · min. income ≈ HK$21,176/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$11,084
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,381
−HK$302/mo
Today · 4.125%
HK$11,683
baseline
▲ 0.50% · 4.625%
HK$12,299
+HK$616/mo
Deposit HK$243K · loan HK$2.18M · min. income ≈ HK$23,366/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).