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$5,522
−HK$346/mo
▼ 0.25% · 3.875%
HK$5,693
−HK$175/mo
Today · 4.125%
HK$5,868
baseline
▲ 0.50% · 4.625%
HK$6,225
+HK$357/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$11,736/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$6,143
−HK$332/mo
▼ 0.25% · 3.875%
HK$6,308
−HK$167/mo
Today · 4.125%
HK$6,475
baseline
▲ 0.50% · 4.625%
HK$6,816
+HK$341/mo
Deposit HK$1.21M · loan HK$1.21M · min. income ≈ HK$12,950/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$6,626
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,832
−HK$210/mo
Today · 4.125%
HK$7,042
baseline
▲ 0.50% · 4.625%
HK$7,470
+HK$428/mo
Deposit HK$969K · loan HK$1.45M · min. income ≈ HK$14,084/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,371
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,569
−HK$201/mo
Today · 4.125%
HK$7,770
baseline
▲ 0.50% · 4.625%
HK$8,179
+HK$409/mo
Deposit HK$969K · loan HK$1.45M · min. income ≈ HK$15,540/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,730
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,971
−HK$244/mo
Today · 4.125%
HK$8,215
baseline
▲ 0.50% · 4.625%
HK$8,715
+HK$500/mo
Deposit HK$726K · loan HK$1.70M · min. income ≈ HK$16,430/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,600
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,831
−HK$234/mo
Today · 4.125%
HK$9,065
baseline
▲ 0.50% · 4.625%
HK$9,542
+HK$477/mo
Deposit HK$726K · loan HK$1.70M · min. income ≈ HK$18,130/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,939
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,248
−HK$314/mo
Today · 4.125%
HK$10,562
baseline
▲ 0.50% · 4.625%
HK$11,205
+HK$643/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$21,124/mo (50% DSR)
Upfront cash ≈ HK$242K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,057
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,354
−HK$300/mo
Today · 4.125%
HK$11,654
baseline
▲ 0.50% · 4.625%
HK$12,269
+HK$615/mo
Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$23,308/mo (50% DSR)
Upfront cash ≈ HK$242K (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).