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$5,652
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,828
−HK$178/mo
Today · 4.125%
HK$6,006
baseline
▲ 0.50% · 4.625%
HK$6,372
+HK$366/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,012/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$6,288
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,456
−HK$172/mo
Today · 4.125%
HK$6,628
baseline
▲ 0.50% · 4.625%
HK$6,977
+HK$349/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,256/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$6,782
−HK$426/mo
▼ 0.25% · 3.875%
HK$6,993
−HK$215/mo
Today · 4.125%
HK$7,208
baseline
▲ 0.50% · 4.625%
HK$7,646
+HK$438/mo
Deposit HK$991K · loan HK$1.49M · min. income ≈ HK$14,416/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,545
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,748
−HK$205/mo
Today · 4.125%
HK$7,953
baseline
▲ 0.50% · 4.625%
HK$8,372
+HK$419/mo
Deposit HK$991K · loan HK$1.49M · min. income ≈ HK$15,906/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,913
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,159
−HK$250/mo
Today · 4.125%
HK$8,409
baseline
▲ 0.50% · 4.625%
HK$8,921
+HK$512/mo
Deposit HK$744K · loan HK$1.74M · min. income ≈ HK$16,818/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,803
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,039
−HK$240/mo
Today · 4.125%
HK$9,279
baseline
▲ 0.50% · 4.625%
HK$9,768
+HK$489/mo
Deposit HK$744K · loan HK$1.74M · min. income ≈ HK$18,558/mo (50% DSR)
Upfront cash ≈ HK$744K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,174
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,490
−HK$322/mo
Today · 4.125%
HK$10,812
baseline
▲ 0.50% · 4.625%
HK$11,469
+HK$657/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$21,624/mo (50% DSR)
Upfront cash ≈ HK$248K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,318
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,622
−HK$308/mo
Today · 4.125%
HK$11,930
baseline
▲ 0.50% · 4.625%
HK$12,558
+HK$628/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$23,860/mo (50% DSR)
Upfront cash ≈ HK$248K (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).