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$5,558
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,730
−HK$176/mo
Today · 4.125%
HK$5,906
baseline
▲ 0.50% · 4.625%
HK$6,265
+HK$359/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,812/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,183
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,349
−HK$168/mo
Today · 4.125%
HK$6,517
baseline
▲ 0.50% · 4.625%
HK$6,860
+HK$343/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,034/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,669
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,877
−HK$210/mo
Today · 4.125%
HK$7,087
baseline
▲ 0.50% · 4.625%
HK$7,519
+HK$432/mo
Deposit HK$975K · loan HK$1.46M · min. income ≈ HK$14,174/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,419
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,618
−HK$202/mo
Today · 4.125%
HK$7,820
baseline
▲ 0.50% · 4.625%
HK$8,232
+HK$412/mo
Deposit HK$975K · loan HK$1.46M · min. income ≈ HK$15,640/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,781
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,023
−HK$246/mo
Today · 4.125%
HK$8,269
baseline
▲ 0.50% · 4.625%
HK$8,772
+HK$503/mo
Deposit HK$731K · loan HK$1.71M · min. income ≈ HK$16,538/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,656
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,888
−HK$235/mo
Today · 4.125%
HK$9,123
baseline
▲ 0.50% · 4.625%
HK$9,604
+HK$481/mo
Deposit HK$731K · loan HK$1.71M · min. income ≈ HK$18,246/mo (50% DSR)
Upfront cash ≈ HK$731K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,004
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,315
−HK$316/mo
Today · 4.125%
HK$10,631
baseline
▲ 0.50% · 4.625%
HK$11,278
+HK$647/mo
Deposit HK$244K · loan HK$2.19M · min. income ≈ HK$21,262/mo (50% DSR)
Upfront cash ≈ HK$244K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,129
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,427
−HK$303/mo
Today · 4.125%
HK$11,730
baseline
▲ 0.50% · 4.625%
HK$12,349
+HK$619/mo
Deposit HK$244K · loan HK$2.19M · min. income ≈ HK$23,460/mo (50% DSR)
Upfront cash ≈ HK$244K (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).