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$5,686
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,863
−HK$179/mo
Today · 4.125%
HK$6,042
baseline
▲ 0.50% · 4.625%
HK$6,410
+HK$368/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,084/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$6,325
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,495
−HK$172/mo
Today · 4.125%
HK$6,667
baseline
▲ 0.50% · 4.625%
HK$7,018
+HK$351/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,334/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$6,823
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,035
−HK$216/mo
Today · 4.125%
HK$7,251
baseline
▲ 0.50% · 4.625%
HK$7,692
+HK$441/mo
Deposit HK$997K · loan HK$1.50M · min. income ≈ HK$14,502/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,590
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,794
−HK$206/mo
Today · 4.125%
HK$8,000
baseline
▲ 0.50% · 4.625%
HK$8,422
+HK$422/mo
Deposit HK$997K · loan HK$1.50M · min. income ≈ HK$16,000/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,960
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,208
−HK$251/mo
Today · 4.125%
HK$8,459
baseline
▲ 0.50% · 4.625%
HK$8,974
+HK$515/mo
Deposit HK$748K · loan HK$1.75M · min. income ≈ HK$16,918/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,855
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,093
−HK$241/mo
Today · 4.125%
HK$9,334
baseline
▲ 0.50% · 4.625%
HK$9,826
+HK$492/mo
Deposit HK$748K · loan HK$1.75M · min. income ≈ HK$18,668/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,234
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,553
−HK$323/mo
Today · 4.125%
HK$10,876
baseline
▲ 0.50% · 4.625%
HK$11,538
+HK$662/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,752/mo (50% DSR)
Upfront cash ≈ HK$249K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,386
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,691
−HK$310/mo
Today · 4.125%
HK$12,001
baseline
▲ 0.50% · 4.625%
HK$12,633
+HK$632/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$24,002/mo (50% DSR)
Upfront cash ≈ HK$249K (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).