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$5,665
−HK$355/mo
▼ 0.25% · 3.875%
HK$5,841
−HK$179/mo
Today · 4.125%
HK$6,020
baseline
▲ 0.50% · 4.625%
HK$6,387
+HK$367/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,040/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$6,302
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,471
−HK$172/mo
Today · 4.125%
HK$6,643
baseline
▲ 0.50% · 4.625%
HK$6,993
+HK$350/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,286/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$6,798
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,009
−HK$215/mo
Today · 4.125%
HK$7,224
baseline
▲ 0.50% · 4.625%
HK$7,664
+HK$440/mo
Deposit HK$994K · loan HK$1.49M · min. income ≈ HK$14,448/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,563
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,766
−HK$205/mo
Today · 4.125%
HK$7,971
baseline
▲ 0.50% · 4.625%
HK$8,392
+HK$421/mo
Deposit HK$994K · loan HK$1.49M · min. income ≈ HK$15,942/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,931
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,178
−HK$250/mo
Today · 4.125%
HK$8,428
baseline
▲ 0.50% · 4.625%
HK$8,941
+HK$513/mo
Deposit HK$745K · loan HK$1.74M · min. income ≈ HK$16,856/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,823
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,060
−HK$240/mo
Today · 4.125%
HK$9,300
baseline
▲ 0.50% · 4.625%
HK$9,790
+HK$490/mo
Deposit HK$745K · loan HK$1.74M · min. income ≈ HK$18,600/mo (50% DSR)
Upfront cash ≈ HK$745K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,197
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,514
−HK$323/mo
Today · 4.125%
HK$10,837
baseline
▲ 0.50% · 4.625%
HK$11,496
+HK$659/mo
Deposit HK$248K · loan HK$2.24M · min. income ≈ HK$21,674/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$11,344
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,648
−HK$309/mo
Today · 4.125%
HK$11,957
baseline
▲ 0.50% · 4.625%
HK$12,587
+HK$630/mo
Deposit HK$248K · loan HK$2.24M · min. income ≈ HK$23,914/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).