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$5,620
−HK$352/mo
▼ 0.25% · 3.875%
HK$5,794
−HK$178/mo
Today · 4.125%
HK$5,972
baseline
▲ 0.50% · 4.625%
HK$6,335
+HK$363/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$11,944/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,252
−HK$338/mo
▼ 0.25% · 3.875%
HK$6,419
−HK$171/mo
Today · 4.125%
HK$6,590
baseline
▲ 0.50% · 4.625%
HK$6,937
+HK$347/mo
Deposit HK$1.23M · loan HK$1.23M · min. income ≈ HK$13,180/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,744
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,953
−HK$213/mo
Today · 4.125%
HK$7,166
baseline
▲ 0.50% · 4.625%
HK$7,603
+HK$437/mo
Deposit HK$986K · loan HK$1.48M · min. income ≈ HK$14,332/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,502
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,703
−HK$205/mo
Today · 4.125%
HK$7,908
baseline
▲ 0.50% · 4.625%
HK$8,324
+HK$416/mo
Deposit HK$986K · loan HK$1.48M · min. income ≈ HK$15,816/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,868
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,112
−HK$249/mo
Today · 4.125%
HK$8,361
baseline
▲ 0.50% · 4.625%
HK$8,870
+HK$509/mo
Deposit HK$739K · loan HK$1.73M · min. income ≈ HK$16,722/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,753
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,987
−HK$238/mo
Today · 4.125%
HK$9,225
baseline
▲ 0.50% · 4.625%
HK$9,712
+HK$487/mo
Deposit HK$739K · loan HK$1.73M · min. income ≈ HK$18,450/mo (50% DSR)
Upfront cash ≈ HK$739K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,115
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,430
−HK$320/mo
Today · 4.125%
HK$10,750
baseline
▲ 0.50% · 4.625%
HK$11,404
+HK$654/mo
Deposit HK$246K · loan HK$2.22M · min. income ≈ HK$21,500/mo (50% DSR)
Upfront cash ≈ HK$247K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,253
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,555
−HK$306/mo
Today · 4.125%
HK$11,861
baseline
▲ 0.50% · 4.625%
HK$12,486
+HK$625/mo
Deposit HK$246K · loan HK$2.22M · min. income ≈ HK$23,722/mo (50% DSR)
Upfront cash ≈ HK$247K (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).