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$5,670
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,846
−HK$179/mo
Today · 4.125%
HK$6,025
baseline
▲ 0.50% · 4.625%
HK$6,392
+HK$367/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,050/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,308
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,477
−HK$171/mo
Today · 4.125%
HK$6,648
baseline
▲ 0.50% · 4.625%
HK$6,999
+HK$351/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,296/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,804
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,015
−HK$215/mo
Today · 4.125%
HK$7,230
baseline
▲ 0.50% · 4.625%
HK$7,670
+HK$440/mo
Deposit HK$995K · loan HK$1.49M · min. income ≈ HK$14,460/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,569
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,772
−HK$206/mo
Today · 4.125%
HK$7,978
baseline
▲ 0.50% · 4.625%
HK$8,399
+HK$421/mo
Deposit HK$995K · loan HK$1.49M · min. income ≈ HK$15,956/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,938
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,185
−HK$250/mo
Today · 4.125%
HK$8,435
baseline
▲ 0.50% · 4.625%
HK$8,949
+HK$514/mo
Deposit HK$746K · loan HK$1.74M · min. income ≈ HK$16,870/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,831
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,067
−HK$241/mo
Today · 4.125%
HK$9,308
baseline
▲ 0.50% · 4.625%
HK$9,798
+HK$490/mo
Deposit HK$746K · loan HK$1.74M · min. income ≈ HK$18,616/mo (50% DSR)
Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,206
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,523
−HK$323/mo
Today · 4.125%
HK$10,846
baseline
▲ 0.50% · 4.625%
HK$11,506
+HK$660/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,692/mo (50% DSR)
Upfront cash ≈ HK$249K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,354
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,658
−HK$309/mo
Today · 4.125%
HK$11,967
baseline
▲ 0.50% · 4.625%
HK$12,598
+HK$631/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$23,934/mo (50% DSR)
Upfront cash ≈ HK$249K (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).