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$5,587
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,761
−HK$176/mo
Today · 4.125%
HK$5,937
baseline
▲ 0.50% · 4.625%
HK$6,299
+HK$362/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,874/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$6,216
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,382
−HK$169/mo
Today · 4.125%
HK$6,551
baseline
▲ 0.50% · 4.625%
HK$6,897
+HK$346/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,102/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$6,705
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,913
−HK$212/mo
Today · 4.125%
HK$7,125
baseline
▲ 0.50% · 4.625%
HK$7,558
+HK$433/mo
Deposit HK$980K · loan HK$1.47M · min. income ≈ HK$14,250/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$7,459
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,659
−HK$203/mo
Today · 4.125%
HK$7,862
baseline
▲ 0.50% · 4.625%
HK$8,276
+HK$414/mo
Deposit HK$980K · loan HK$1.47M · min. income ≈ HK$15,724/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$7,822
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,065
−HK$247/mo
Today · 4.125%
HK$8,312
baseline
▲ 0.50% · 4.625%
HK$8,818
+HK$506/mo
Deposit HK$735K · loan HK$1.72M · min. income ≈ HK$16,624/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$8,702
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,935
−HK$237/mo
Today · 4.125%
HK$9,172
baseline
▲ 0.50% · 4.625%
HK$9,655
+HK$483/mo
Deposit HK$735K · loan HK$1.72M · min. income ≈ HK$18,344/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$10,057
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,370
−HK$317/mo
Today · 4.125%
HK$10,687
baseline
▲ 0.50% · 4.625%
HK$11,338
+HK$651/mo
Deposit HK$245K · loan HK$2.21M · min. income ≈ HK$21,374/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$11,188
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,488
−HK$304/mo
Today · 4.125%
HK$11,792
baseline
▲ 0.50% · 4.625%
HK$12,414
+HK$622/mo
Deposit HK$245K · loan HK$2.21M · min. income ≈ HK$23,584/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).