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$5,584
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,757
−HK$177/mo
Today · 4.125%
HK$5,934
baseline
▲ 0.50% · 4.625%
HK$6,295
+HK$361/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$11,868/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$6,212
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,378
−HK$169/mo
Today · 4.125%
HK$6,547
baseline
▲ 0.50% · 4.625%
HK$6,893
+HK$346/mo
Deposit HK$1.22M · loan HK$1.22M · min. income ≈ HK$13,094/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$6,700
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,909
−HK$212/mo
Today · 4.125%
HK$7,121
baseline
▲ 0.50% · 4.625%
HK$7,554
+HK$433/mo
Deposit HK$979K · loan HK$1.47M · min. income ≈ HK$14,242/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,454
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,654
−HK$203/mo
Today · 4.125%
HK$7,857
baseline
▲ 0.50% · 4.625%
HK$8,271
+HK$414/mo
Deposit HK$979K · loan HK$1.47M · min. income ≈ HK$15,714/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,817
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,060
−HK$247/mo
Today · 4.125%
HK$8,307
baseline
▲ 0.50% · 4.625%
HK$8,813
+HK$506/mo
Deposit HK$735K · loan HK$1.71M · min. income ≈ HK$16,614/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,697
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,930
−HK$236/mo
Today · 4.125%
HK$9,166
baseline
▲ 0.50% · 4.625%
HK$9,650
+HK$484/mo
Deposit HK$735K · loan HK$1.71M · min. income ≈ HK$18,332/mo (50% DSR)
Upfront cash ≈ HK$735K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,051
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,363
−HK$318/mo
Today · 4.125%
HK$10,681
baseline
▲ 0.50% · 4.625%
HK$11,331
+HK$650/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$21,362/mo (50% DSR)
Upfront cash ≈ HK$245K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,181
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,481
−HK$304/mo
Today · 4.125%
HK$11,785
baseline
▲ 0.50% · 4.625%
HK$12,407
+HK$622/mo
Deposit HK$245K · loan HK$2.20M · min. income ≈ HK$23,570/mo (50% DSR)
Upfront cash ≈ HK$245K (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).