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$5,636
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,812
−HK$178/mo
Today · 4.125%
HK$5,990
baseline
▲ 0.50% · 4.625%
HK$6,354
+HK$364/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$11,980/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,270
−HK$339/mo
▼ 0.25% · 3.875%
HK$6,438
−HK$171/mo
Today · 4.125%
HK$6,609
baseline
▲ 0.50% · 4.625%
HK$6,957
+HK$348/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,218/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,764
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,974
−HK$214/mo
Today · 4.125%
HK$7,188
baseline
▲ 0.50% · 4.625%
HK$7,625
+HK$437/mo
Deposit HK$989K · loan HK$1.48M · min. income ≈ HK$14,376/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,524
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,726
−HK$205/mo
Today · 4.125%
HK$7,931
baseline
▲ 0.50% · 4.625%
HK$8,349
+HK$418/mo
Deposit HK$989K · loan HK$1.48M · min. income ≈ HK$15,862/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,891
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,136
−HK$250/mo
Today · 4.125%
HK$8,386
baseline
▲ 0.50% · 4.625%
HK$8,896
+HK$510/mo
Deposit HK$742K · loan HK$1.73M · min. income ≈ HK$16,772/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,778
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,014
−HK$239/mo
Today · 4.125%
HK$9,253
baseline
▲ 0.50% · 4.625%
HK$9,740
+HK$487/mo
Deposit HK$742K · loan HK$1.73M · min. income ≈ HK$18,506/mo (50% DSR)
Upfront cash ≈ HK$742K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,145
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,461
−HK$320/mo
Today · 4.125%
HK$10,781
baseline
▲ 0.50% · 4.625%
HK$11,437
+HK$656/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$21,562/mo (50% DSR)
Upfront cash ≈ HK$247K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,286
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,589
−HK$307/mo
Today · 4.125%
HK$11,896
baseline
▲ 0.50% · 4.625%
HK$12,523
+HK$627/mo
Deposit HK$247K · loan HK$2.22M · min. income ≈ HK$23,792/mo (50% DSR)
Upfront cash ≈ HK$247K (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).