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$6,376
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,575
−HK$201/mo
Today · 4.125%
HK$6,776
baseline
▲ 0.50% · 4.625%
HK$7,189
+HK$413/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,552/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,094
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,284
−HK$193/mo
Today · 4.125%
HK$7,477
baseline
▲ 0.50% · 4.625%
HK$7,871
+HK$394/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,954/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,652
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,890
−HK$241/mo
Today · 4.125%
HK$8,131
baseline
▲ 0.50% · 4.625%
HK$8,626
+HK$495/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,262/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,512
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,741
−HK$231/mo
Today · 4.125%
HK$8,972
baseline
▲ 0.50% · 4.625%
HK$9,445
+HK$473/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,944/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,927
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,205
−HK$282/mo
Today · 4.125%
HK$9,487
baseline
▲ 0.50% · 4.625%
HK$10,064
+HK$577/mo
Deposit HK$839K · loan HK$1.96M · min. income ≈ HK$18,974/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,931
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,197
−HK$271/mo
Today · 4.125%
HK$10,468
baseline
▲ 0.50% · 4.625%
HK$11,019
+HK$551/mo
Deposit HK$839K · loan HK$1.96M · min. income ≈ HK$20,936/mo (50% DSR)
Upfront cash ≈ HK$839K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,477
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,834
−HK$363/mo
Today · 4.125%
HK$12,197
baseline
▲ 0.50% · 4.625%
HK$12,939
+HK$742/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$24,394/mo (50% DSR)
Upfront cash ≈ HK$280K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,769
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,111
−HK$347/mo
Today · 4.125%
HK$13,458
baseline
▲ 0.50% · 4.625%
HK$14,168
+HK$710/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$26,916/mo (50% DSR)
Upfront cash ≈ HK$280K (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).