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$5,696
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,873
−HK$180/mo
Today · 4.125%
HK$6,053
baseline
▲ 0.50% · 4.625%
HK$6,422
+HK$369/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,106/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$6,337
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,507
−HK$172/mo
Today · 4.125%
HK$6,679
baseline
▲ 0.50% · 4.625%
HK$7,031
+HK$352/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,358/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$6,835
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,048
−HK$216/mo
Today · 4.125%
HK$7,264
baseline
▲ 0.50% · 4.625%
HK$7,706
+HK$442/mo
Deposit HK$999K · loan HK$1.50M · min. income ≈ HK$14,528/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,604
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,808
−HK$207/mo
Today · 4.125%
HK$8,015
baseline
▲ 0.50% · 4.625%
HK$8,437
+HK$422/mo
Deposit HK$999K · loan HK$1.50M · min. income ≈ HK$16,030/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,974
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,222
−HK$252/mo
Today · 4.125%
HK$8,474
baseline
▲ 0.50% · 4.625%
HK$8,990
+HK$516/mo
Deposit HK$749K · loan HK$1.75M · min. income ≈ HK$16,948/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,871
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,109
−HK$242/mo
Today · 4.125%
HK$9,351
baseline
▲ 0.50% · 4.625%
HK$9,844
+HK$493/mo
Deposit HK$749K · loan HK$1.75M · min. income ≈ HK$18,702/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,253
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,572
−HK$324/mo
Today · 4.125%
HK$10,896
baseline
▲ 0.50% · 4.625%
HK$11,559
+HK$663/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,792/mo (50% DSR)
Upfront cash ≈ HK$250K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,406
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,712
−HK$310/mo
Today · 4.125%
HK$12,022
baseline
▲ 0.50% · 4.625%
HK$12,656
+HK$634/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,044/mo (50% DSR)
Upfront cash ≈ HK$250K (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).