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$5,511
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,682
−HK$175/mo
Today · 4.125%
HK$5,857
baseline
▲ 0.50% · 4.625%
HK$6,213
+HK$356/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,714/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$6,131
−HK$331/mo
▼ 0.25% · 3.875%
HK$6,295
−HK$167/mo
Today · 4.125%
HK$6,462
baseline
▲ 0.50% · 4.625%
HK$6,803
+HK$341/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,924/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$6,613
−HK$415/mo
▼ 0.25% · 3.875%
HK$6,819
−HK$209/mo
Today · 4.125%
HK$7,028
baseline
▲ 0.50% · 4.625%
HK$7,455
+HK$427/mo
Deposit HK$967K · loan HK$1.45M · min. income ≈ HK$14,056/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,357
−HK$398/mo
▼ 0.25% · 3.875%
HK$7,554
−HK$201/mo
Today · 4.125%
HK$7,755
baseline
▲ 0.50% · 4.625%
HK$8,163
+HK$408/mo
Deposit HK$967K · loan HK$1.45M · min. income ≈ HK$15,510/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,715
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,955
−HK$244/mo
Today · 4.125%
HK$8,199
baseline
▲ 0.50% · 4.625%
HK$8,698
+HK$499/mo
Deposit HK$725K · loan HK$1.69M · min. income ≈ HK$16,398/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,583
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,813
−HK$234/mo
Today · 4.125%
HK$9,047
baseline
▲ 0.50% · 4.625%
HK$9,524
+HK$477/mo
Deposit HK$725K · loan HK$1.69M · min. income ≈ HK$18,094/mo (50% DSR)
Upfront cash ≈ HK$725K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,920
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,228
−HK$314/mo
Today · 4.125%
HK$10,542
baseline
▲ 0.50% · 4.625%
HK$11,183
+HK$641/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$21,084/mo (50% DSR)
Upfront cash ≈ HK$242K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,036
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,332
−HK$300/mo
Today · 4.125%
HK$11,632
baseline
▲ 0.50% · 4.625%
HK$12,245
+HK$613/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$23,264/mo (50% DSR)
Upfront cash ≈ HK$242K (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).