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$5,693
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,871
−HK$179/mo
Today · 4.125%
HK$6,050
baseline
▲ 0.50% · 4.625%
HK$6,419
+HK$369/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,100/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$6,334
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,504
−HK$172/mo
Today · 4.125%
HK$6,676
baseline
▲ 0.50% · 4.625%
HK$7,028
+HK$352/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,352/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$6,832
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,045
−HK$216/mo
Today · 4.125%
HK$7,261
baseline
▲ 0.50% · 4.625%
HK$7,702
+HK$441/mo
Deposit HK$999K · loan HK$1.50M · min. income ≈ HK$14,522/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,601
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,805
−HK$206/mo
Today · 4.125%
HK$8,011
baseline
▲ 0.50% · 4.625%
HK$8,434
+HK$423/mo
Deposit HK$999K · loan HK$1.50M · min. income ≈ HK$16,022/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,971
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,219
−HK$252/mo
Today · 4.125%
HK$8,471
baseline
▲ 0.50% · 4.625%
HK$8,986
+HK$515/mo
Deposit HK$749K · loan HK$1.75M · min. income ≈ HK$16,942/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,867
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,105
−HK$242/mo
Today · 4.125%
HK$9,347
baseline
▲ 0.50% · 4.625%
HK$9,839
+HK$492/mo
Deposit HK$749K · loan HK$1.75M · min. income ≈ HK$18,694/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,248
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,567
−HK$324/mo
Today · 4.125%
HK$10,891
baseline
▲ 0.50% · 4.625%
HK$11,554
+HK$663/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,782/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$11,401
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,707
−HK$310/mo
Today · 4.125%
HK$12,017
baseline
▲ 0.50% · 4.625%
HK$12,650
+HK$633/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,034/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).