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$5,589
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,763
−HK$176/mo
Today · 4.125%
HK$5,939
baseline
▲ 0.50% · 4.625%
HK$6,301
+HK$362/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,878/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,218
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,384
−HK$169/mo
Today · 4.125%
HK$6,553
baseline
▲ 0.50% · 4.625%
HK$6,899
+HK$346/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,106/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,707
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,915
−HK$212/mo
Today · 4.125%
HK$7,127
baseline
▲ 0.50% · 4.625%
HK$7,561
+HK$434/mo
Deposit HK$980K · loan HK$1.47M · min. income ≈ HK$14,254/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,461
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,661
−HK$203/mo
Today · 4.125%
HK$7,864
baseline
▲ 0.50% · 4.625%
HK$8,279
+HK$415/mo
Deposit HK$980K · loan HK$1.47M · min. income ≈ HK$15,728/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,824
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,068
−HK$247/mo
Today · 4.125%
HK$8,315
baseline
▲ 0.50% · 4.625%
HK$8,821
+HK$506/mo
Deposit HK$735K · loan HK$1.72M · min. income ≈ HK$16,630/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,705
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,938
−HK$237/mo
Today · 4.125%
HK$9,175
baseline
▲ 0.50% · 4.625%
HK$9,659
+HK$484/mo
Deposit HK$735K · loan HK$1.72M · min. income ≈ HK$18,350/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,060
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,373
−HK$318/mo
Today · 4.125%
HK$10,691
baseline
▲ 0.50% · 4.625%
HK$11,341
+HK$650/mo
Deposit HK$245K · loan HK$2.21M · min. income ≈ HK$21,382/mo (50% DSR)
Upfront cash ≈ HK$245K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,192
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,492
−HK$304/mo
Today · 4.125%
HK$11,796
baseline
▲ 0.50% · 4.625%
HK$12,418
+HK$622/mo
Deposit HK$245K · loan HK$2.21M · min. income ≈ HK$23,592/mo (50% DSR)
Upfront cash ≈ HK$245K (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).