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$5,650
−HK$354/mo
▼ 0.25% · 3.875%
HK$5,825
−HK$179/mo
Today · 4.125%
HK$6,004
baseline
▲ 0.50% · 4.625%
HK$6,369
+HK$365/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$12,008/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$6,285
−HK$340/mo
▼ 0.25% · 3.875%
HK$6,454
−HK$171/mo
Today · 4.125%
HK$6,625
baseline
▲ 0.50% · 4.625%
HK$6,974
+HK$349/mo
Deposit HK$1.24M · loan HK$1.24M · min. income ≈ HK$13,250/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$6,780
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,990
−HK$215/mo
Today · 4.125%
HK$7,205
baseline
▲ 0.50% · 4.625%
HK$7,643
+HK$438/mo
Deposit HK$991K · loan HK$1.49M · min. income ≈ HK$14,410/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,542
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,744
−HK$206/mo
Today · 4.125%
HK$7,950
baseline
▲ 0.50% · 4.625%
HK$8,369
+HK$419/mo
Deposit HK$991K · loan HK$1.49M · min. income ≈ HK$15,900/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,909
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,155
−HK$250/mo
Today · 4.125%
HK$8,405
baseline
▲ 0.50% · 4.625%
HK$8,917
+HK$512/mo
Deposit HK$743K · loan HK$1.73M · min. income ≈ HK$16,810/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,799
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,035
−HK$240/mo
Today · 4.125%
HK$9,275
baseline
▲ 0.50% · 4.625%
HK$9,763
+HK$488/mo
Deposit HK$743K · loan HK$1.73M · min. income ≈ HK$18,550/mo (50% DSR)
Upfront cash ≈ HK$743K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,169
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,486
−HK$321/mo
Today · 4.125%
HK$10,807
baseline
▲ 0.50% · 4.625%
HK$11,465
+HK$658/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$21,614/mo (50% DSR)
Upfront cash ≈ HK$248K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,313
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,617
−HK$307/mo
Today · 4.125%
HK$11,924
baseline
▲ 0.50% · 4.625%
HK$12,553
+HK$629/mo
Deposit HK$248K · loan HK$2.23M · min. income ≈ HK$23,848/mo (50% DSR)
Upfront cash ≈ HK$248K (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).