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$5,708
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,886
−HK$180/mo
Today · 4.125%
HK$6,066
baseline
▲ 0.50% · 4.625%
HK$6,435
+HK$369/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,132/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,350
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,521
−HK$172/mo
Today · 4.125%
HK$6,693
baseline
▲ 0.50% · 4.625%
HK$7,046
+HK$353/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,386/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,850
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,063
−HK$216/mo
Today · 4.125%
HK$7,279
baseline
▲ 0.50% · 4.625%
HK$7,722
+HK$443/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,558/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,620
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,825
−HK$207/mo
Today · 4.125%
HK$8,032
baseline
▲ 0.50% · 4.625%
HK$8,456
+HK$424/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,064/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,992
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,240
−HK$253/mo
Today · 4.125%
HK$8,493
baseline
▲ 0.50% · 4.625%
HK$9,009
+HK$516/mo
Deposit HK$751K · loan HK$1.75M · min. income ≈ HK$16,986/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,891
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,129
−HK$242/mo
Today · 4.125%
HK$9,371
baseline
▲ 0.50% · 4.625%
HK$9,865
+HK$494/mo
Deposit HK$751K · loan HK$1.75M · min. income ≈ HK$18,742/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,275
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,594
−HK$325/mo
Today · 4.125%
HK$10,919
baseline
▲ 0.50% · 4.625%
HK$11,584
+HK$665/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,838/mo (50% DSR)
Upfront cash ≈ HK$250K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,431
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,737
−HK$311/mo
Today · 4.125%
HK$12,048
baseline
▲ 0.50% · 4.625%
HK$12,683
+HK$635/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,096/mo (50% DSR)
Upfront cash ≈ HK$250K (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).