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$5,556
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,728
−HK$176/mo
Today · 4.125%
HK$5,904
baseline
▲ 0.50% · 4.625%
HK$6,263
+HK$359/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,808/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,180
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,346
−HK$168/mo
Today · 4.125%
HK$6,514
baseline
▲ 0.50% · 4.625%
HK$6,858
+HK$344/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,028/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,667
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,874
−HK$211/mo
Today · 4.125%
HK$7,085
baseline
▲ 0.50% · 4.625%
HK$7,516
+HK$431/mo
Deposit HK$975K · loan HK$1.46M · min. income ≈ HK$14,170/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,417
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,615
−HK$202/mo
Today · 4.125%
HK$7,817
baseline
▲ 0.50% · 4.625%
HK$8,229
+HK$412/mo
Deposit HK$975K · loan HK$1.46M · min. income ≈ HK$15,634/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,778
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,020
−HK$245/mo
Today · 4.125%
HK$8,265
baseline
▲ 0.50% · 4.625%
HK$8,768
+HK$503/mo
Deposit HK$731K · loan HK$1.71M · min. income ≈ HK$16,530/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,653
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,885
−HK$235/mo
Today · 4.125%
HK$9,120
baseline
▲ 0.50% · 4.625%
HK$9,601
+HK$481/mo
Deposit HK$731K · loan HK$1.71M · min. income ≈ HK$18,240/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,000
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,311
−HK$316/mo
Today · 4.125%
HK$10,627
baseline
▲ 0.50% · 4.625%
HK$11,274
+HK$647/mo
Deposit HK$244K · loan HK$2.19M · min. income ≈ HK$21,254/mo (50% DSR)
Upfront cash ≈ HK$244K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,125
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,423
−HK$303/mo
Today · 4.125%
HK$11,726
baseline
▲ 0.50% · 4.625%
HK$12,344
+HK$618/mo
Deposit HK$244K · loan HK$2.19M · min. income ≈ HK$23,452/mo (50% DSR)
Upfront cash ≈ HK$244K (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).