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$5,531
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,703
−HK$174/mo
Today · 4.125%
HK$5,877
baseline
▲ 0.50% · 4.625%
HK$6,235
+HK$358/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,754/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$6,153
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,318
−HK$167/mo
Today · 4.125%
HK$6,485
baseline
▲ 0.50% · 4.625%
HK$6,827
+HK$342/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,970/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$6,637
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,843
−HK$210/mo
Today · 4.125%
HK$7,053
baseline
▲ 0.50% · 4.625%
HK$7,482
+HK$429/mo
Deposit HK$970K · loan HK$1.46M · min. income ≈ HK$14,106/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,383
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,581
−HK$201/mo
Today · 4.125%
HK$7,782
baseline
▲ 0.50% · 4.625%
HK$8,192
+HK$410/mo
Deposit HK$970K · loan HK$1.46M · min. income ≈ HK$15,564/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,743
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,984
−HK$244/mo
Today · 4.125%
HK$8,228
baseline
▲ 0.50% · 4.625%
HK$8,729
+HK$501/mo
Deposit HK$728K · loan HK$1.70M · min. income ≈ HK$16,456/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$8,614
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,845
−HK$234/mo
Today · 4.125%
HK$9,079
baseline
▲ 0.50% · 4.625%
HK$9,558
+HK$479/mo
Deposit HK$728K · loan HK$1.70M · min. income ≈ HK$18,158/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$9,955
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,265
−HK$314/mo
Today · 4.125%
HK$10,579
baseline
▲ 0.50% · 4.625%
HK$11,223
+HK$644/mo
Deposit HK$243K · loan HK$2.18M · min. income ≈ HK$21,158/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$11,075
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,372
−HK$301/mo
Today · 4.125%
HK$11,673
baseline
▲ 0.50% · 4.625%
HK$12,288
+HK$615/mo
Deposit HK$243K · loan HK$2.18M · min. income ≈ HK$23,346/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).