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$5,701
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,878
−HK$180/mo
Today · 4.125%
HK$6,058
baseline
▲ 0.50% · 4.625%
HK$6,427
+HK$369/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,116/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,342
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,512
−HK$173/mo
Today · 4.125%
HK$6,685
baseline
▲ 0.50% · 4.625%
HK$7,037
+HK$352/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,370/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,841
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,054
−HK$216/mo
Today · 4.125%
HK$7,270
baseline
▲ 0.50% · 4.625%
HK$7,712
+HK$442/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,540/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,610
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,815
−HK$207/mo
Today · 4.125%
HK$8,022
baseline
▲ 0.50% · 4.625%
HK$8,444
+HK$422/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,044/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,981
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,229
−HK$252/mo
Today · 4.125%
HK$8,481
baseline
▲ 0.50% · 4.625%
HK$8,998
+HK$517/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$16,962/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,879
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,117
−HK$241/mo
Today · 4.125%
HK$9,358
baseline
▲ 0.50% · 4.625%
HK$9,852
+HK$494/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$18,716/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,261
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,580
−HK$325/mo
Today · 4.125%
HK$10,905
baseline
▲ 0.50% · 4.625%
HK$11,568
+HK$663/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,810/mo (50% DSR)
Upfront cash ≈ HK$250K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,416
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,722
−HK$310/mo
Today · 4.125%
HK$12,032
baseline
▲ 0.50% · 4.625%
HK$12,667
+HK$635/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,064/mo (50% DSR)
Upfront cash ≈ HK$250K (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).