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$6,247
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,441
−HK$197/mo
Today · 4.125%
HK$6,638
baseline
▲ 0.50% · 4.625%
HK$7,042
+HK$404/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,276/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,949
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,136
−HK$189/mo
Today · 4.125%
HK$7,325
baseline
▲ 0.50% · 4.625%
HK$7,711
+HK$386/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,650/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,496
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,729
−HK$237/mo
Today · 4.125%
HK$7,966
baseline
▲ 0.50% · 4.625%
HK$8,451
+HK$485/mo
Deposit HK$1.10M · loan HK$1.64M · min. income ≈ HK$15,932/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,339
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,563
−HK$227/mo
Today · 4.125%
HK$8,790
baseline
▲ 0.50% · 4.625%
HK$9,253
+HK$463/mo
Deposit HK$1.10M · loan HK$1.64M · min. income ≈ HK$17,580/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,745
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,017
−HK$277/mo
Today · 4.125%
HK$9,294
baseline
▲ 0.50% · 4.625%
HK$9,859
+HK$565/mo
Deposit HK$822K · loan HK$1.92M · min. income ≈ HK$18,588/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,729
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,990
−HK$265/mo
Today · 4.125%
HK$10,255
baseline
▲ 0.50% · 4.625%
HK$10,795
+HK$540/mo
Deposit HK$822K · loan HK$1.92M · min. income ≈ HK$20,510/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,244
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,594
−HK$355/mo
Today · 4.125%
HK$11,949
baseline
▲ 0.50% · 4.625%
HK$12,676
+HK$727/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$23,898/mo (50% DSR)
Upfront cash ≈ HK$274K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,509
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,844
−HK$341/mo
Today · 4.125%
HK$13,185
baseline
▲ 0.50% · 4.625%
HK$13,879
+HK$694/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$26,370/mo (50% DSR)
Upfront cash ≈ HK$274K (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).