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$5,537
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,710
−HK$175/mo
Today · 4.125%
HK$5,885
baseline
▲ 0.50% · 4.625%
HK$6,243
+HK$358/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,770/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$6,160
−HK$333/mo
▼ 0.25% · 3.875%
HK$6,325
−HK$168/mo
Today · 4.125%
HK$6,493
baseline
▲ 0.50% · 4.625%
HK$6,835
+HK$342/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,986/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$6,645
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,852
−HK$210/mo
Today · 4.125%
HK$7,062
baseline
▲ 0.50% · 4.625%
HK$7,491
+HK$429/mo
Deposit HK$971K · loan HK$1.46M · min. income ≈ HK$14,124/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,392
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,591
−HK$201/mo
Today · 4.125%
HK$7,792
baseline
▲ 0.50% · 4.625%
HK$8,202
+HK$410/mo
Deposit HK$971K · loan HK$1.46M · min. income ≈ HK$15,584/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,752
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,993
−HK$245/mo
Today · 4.125%
HK$8,238
baseline
▲ 0.50% · 4.625%
HK$8,740
+HK$502/mo
Deposit HK$729K · loan HK$1.70M · min. income ≈ HK$16,476/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,624
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,856
−HK$234/mo
Today · 4.125%
HK$9,090
baseline
▲ 0.50% · 4.625%
HK$9,570
+HK$480/mo
Deposit HK$729K · loan HK$1.70M · min. income ≈ HK$18,180/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,967
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,277
−HK$315/mo
Today · 4.125%
HK$10,592
baseline
▲ 0.50% · 4.625%
HK$11,237
+HK$645/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$21,184/mo (50% DSR)
Upfront cash ≈ HK$243K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,088
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,386
−HK$302/mo
Today · 4.125%
HK$11,688
baseline
▲ 0.50% · 4.625%
HK$12,304
+HK$616/mo
Deposit HK$243K · loan HK$2.19M · min. income ≈ HK$23,376/mo (50% DSR)
Upfront cash ≈ HK$243K (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).