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$5,642
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,818
−HK$178/mo
Today · 4.125%
HK$5,996
baseline
▲ 0.50% · 4.625%
HK$6,361
+HK$365/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$11,992/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$6,277
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,445
−HK$171/mo
Today · 4.125%
HK$6,616
baseline
▲ 0.50% · 4.625%
HK$6,965
+HK$349/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,232/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$6,771
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,981
−HK$214/mo
Today · 4.125%
HK$7,195
baseline
▲ 0.50% · 4.625%
HK$7,633
+HK$438/mo
Deposit HK$990K · loan HK$1.48M · min. income ≈ HK$14,390/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,532
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,734
−HK$205/mo
Today · 4.125%
HK$7,939
baseline
▲ 0.50% · 4.625%
HK$8,358
+HK$419/mo
Deposit HK$990K · loan HK$1.48M · min. income ≈ HK$15,878/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,899
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,145
−HK$249/mo
Today · 4.125%
HK$8,394
baseline
▲ 0.50% · 4.625%
HK$8,905
+HK$511/mo
Deposit HK$742K · loan HK$1.73M · min. income ≈ HK$16,788/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$8,788
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,023
−HK$239/mo
Today · 4.125%
HK$9,262
baseline
▲ 0.50% · 4.625%
HK$9,751
+HK$489/mo
Deposit HK$742K · loan HK$1.73M · min. income ≈ HK$18,524/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$10,156
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,472
−HK$321/mo
Today · 4.125%
HK$10,793
baseline
▲ 0.50% · 4.625%
HK$11,450
+HK$657/mo
Deposit HK$247K · loan HK$2.23M · min. income ≈ HK$21,586/mo (50% DSR)
Upfront cash ≈ HK$248K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,298
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,601
−HK$308/mo
Today · 4.125%
HK$11,909
baseline
▲ 0.50% · 4.625%
HK$12,537
+HK$628/mo
Deposit HK$247K · loan HK$2.23M · min. income ≈ HK$23,818/mo (50% DSR)
Upfront cash ≈ HK$248K (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).