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$5,527
−HK$347/mo
▼ 0.25% · 3.875%
HK$5,699
−HK$175/mo
Today · 4.125%
HK$5,874
baseline
▲ 0.50% · 4.625%
HK$6,231
+HK$357/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,748/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,149
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,314
−HK$167/mo
Today · 4.125%
HK$6,481
baseline
▲ 0.50% · 4.625%
HK$6,823
+HK$342/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,962/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,633
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,839
−HK$210/mo
Today · 4.125%
HK$7,049
baseline
▲ 0.50% · 4.625%
HK$7,477
+HK$428/mo
Deposit HK$970K · loan HK$1.45M · min. income ≈ HK$14,098/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,379
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,577
−HK$200/mo
Today · 4.125%
HK$7,777
baseline
▲ 0.50% · 4.625%
HK$8,187
+HK$410/mo
Deposit HK$970K · loan HK$1.45M · min. income ≈ HK$15,554/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,738
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,979
−HK$244/mo
Today · 4.125%
HK$8,223
baseline
▲ 0.50% · 4.625%
HK$8,724
+HK$501/mo
Deposit HK$727K · loan HK$1.70M · min. income ≈ HK$16,446/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,609
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,839
−HK$235/mo
Today · 4.125%
HK$9,074
baseline
▲ 0.50% · 4.625%
HK$9,552
+HK$478/mo
Deposit HK$727K · loan HK$1.70M · min. income ≈ HK$18,148/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,949
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,258
−HK$315/mo
Today · 4.125%
HK$10,573
baseline
▲ 0.50% · 4.625%
HK$11,216
+HK$643/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$21,146/mo (50% DSR)
Upfront cash ≈ HK$242K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,068
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,365
−HK$301/mo
Today · 4.125%
HK$11,666
baseline
▲ 0.50% · 4.625%
HK$12,281
+HK$615/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$23,332/mo (50% DSR)
Upfront cash ≈ HK$242K (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).