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$5,621
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,796
−HK$177/mo
Today · 4.125%
HK$5,973
baseline
▲ 0.50% · 4.625%
HK$6,337
+HK$364/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,946/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$6,253
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,421
−HK$170/mo
Today · 4.125%
HK$6,591
baseline
▲ 0.50% · 4.625%
HK$6,938
+HK$347/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,182/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$6,745
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,955
−HK$213/mo
Today · 4.125%
HK$7,168
baseline
▲ 0.50% · 4.625%
HK$7,604
+HK$436/mo
Deposit HK$986K · loan HK$1.48M · min. income ≈ HK$14,336/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,504
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,705
−HK$204/mo
Today · 4.125%
HK$7,909
baseline
▲ 0.50% · 4.625%
HK$8,326
+HK$417/mo
Deposit HK$986K · loan HK$1.48M · min. income ≈ HK$15,818/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,869
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,114
−HK$249/mo
Today · 4.125%
HK$8,363
baseline
▲ 0.50% · 4.625%
HK$8,871
+HK$508/mo
Deposit HK$739K · loan HK$1.73M · min. income ≈ HK$16,726/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,754
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,989
−HK$238/mo
Today · 4.125%
HK$9,227
baseline
▲ 0.50% · 4.625%
HK$9,714
+HK$487/mo
Deposit HK$739K · loan HK$1.73M · min. income ≈ HK$18,454/mo (50% DSR)
Upfront cash ≈ HK$740K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,117
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,432
−HK$320/mo
Today · 4.125%
HK$10,752
baseline
▲ 0.50% · 4.625%
HK$11,406
+HK$654/mo
Deposit HK$246K · loan HK$2.22M · min. income ≈ HK$21,504/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$11,256
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,557
−HK$307/mo
Today · 4.125%
HK$11,864
baseline
▲ 0.50% · 4.625%
HK$12,489
+HK$625/mo
Deposit HK$246K · loan HK$2.22M · min. income ≈ HK$23,728/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).