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$5,501
−HK$345/mo
▼ 0.25% · 3.875%
HK$5,672
−HK$174/mo
Today · 4.125%
HK$5,846
baseline
▲ 0.50% · 4.625%
HK$6,202
+HK$356/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,692/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$6,120
−HK$330/mo
▼ 0.25% · 3.875%
HK$6,284
−HK$166/mo
Today · 4.125%
HK$6,450
baseline
▲ 0.50% · 4.625%
HK$6,790
+HK$340/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,900/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$6,601
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,807
−HK$208/mo
Today · 4.125%
HK$7,015
baseline
▲ 0.50% · 4.625%
HK$7,442
+HK$427/mo
Deposit HK$965K · loan HK$1.45M · min. income ≈ HK$14,030/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,344
−HK$397/mo
▼ 0.25% · 3.875%
HK$7,541
−HK$200/mo
Today · 4.125%
HK$7,741
baseline
▲ 0.50% · 4.625%
HK$8,149
+HK$408/mo
Deposit HK$965K · loan HK$1.45M · min. income ≈ HK$15,482/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,701
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,941
−HK$243/mo
Today · 4.125%
HK$8,184
baseline
▲ 0.50% · 4.625%
HK$8,682
+HK$498/mo
Deposit HK$724K · loan HK$1.69M · min. income ≈ HK$16,368/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,568
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,798
−HK$233/mo
Today · 4.125%
HK$9,031
baseline
▲ 0.50% · 4.625%
HK$9,507
+HK$476/mo
Deposit HK$724K · loan HK$1.69M · min. income ≈ HK$18,062/mo (50% DSR)
Upfront cash ≈ HK$724K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,902
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,210
−HK$313/mo
Today · 4.125%
HK$10,523
baseline
▲ 0.50% · 4.625%
HK$11,163
+HK$640/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$21,046/mo (50% DSR)
Upfront cash ≈ HK$241K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,016
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,311
−HK$300/mo
Today · 4.125%
HK$11,611
baseline
▲ 0.50% · 4.625%
HK$12,223
+HK$612/mo
Deposit HK$241K · loan HK$2.17M · min. income ≈ HK$23,222/mo (50% DSR)
Upfront cash ≈ HK$241K (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).