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$5,545
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,718
−HK$175/mo
Today · 4.125%
HK$5,893
baseline
▲ 0.50% · 4.625%
HK$6,252
+HK$359/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,786/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$6,169
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,335
−HK$167/mo
Today · 4.125%
HK$6,502
baseline
▲ 0.50% · 4.625%
HK$6,845
+HK$343/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,004/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$6,654
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,861
−HK$211/mo
Today · 4.125%
HK$7,072
baseline
▲ 0.50% · 4.625%
HK$7,502
+HK$430/mo
Deposit HK$973K · loan HK$1.46M · min. income ≈ HK$14,144/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,403
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,601
−HK$202/mo
Today · 4.125%
HK$7,803
baseline
▲ 0.50% · 4.625%
HK$8,214
+HK$411/mo
Deposit HK$973K · loan HK$1.46M · min. income ≈ HK$15,606/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,763
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,005
−HK$245/mo
Today · 4.125%
HK$8,250
baseline
▲ 0.50% · 4.625%
HK$8,752
+HK$502/mo
Deposit HK$730K · loan HK$1.70M · min. income ≈ HK$16,500/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,637
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,868
−HK$235/mo
Today · 4.125%
HK$9,103
baseline
▲ 0.50% · 4.625%
HK$9,583
+HK$480/mo
Deposit HK$730K · loan HK$1.70M · min. income ≈ HK$18,206/mo (50% DSR)
Upfront cash ≈ HK$730K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,982
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,292
−HK$315/mo
Today · 4.125%
HK$10,607
baseline
▲ 0.50% · 4.625%
HK$11,253
+HK$646/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$21,214/mo (50% DSR)
Upfront cash ≈ HK$243K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,104
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,402
−HK$302/mo
Today · 4.125%
HK$11,704
baseline
▲ 0.50% · 4.625%
HK$12,321
+HK$617/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$23,408/mo (50% DSR)
Upfront cash ≈ HK$243K (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).