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$6,193
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,385
−HK$196/mo
Today · 4.125%
HK$6,581
baseline
▲ 0.50% · 4.625%
HK$6,982
+HK$401/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,162/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,889
−HK$373/mo
▼ 0.25% · 3.875%
HK$7,074
−HK$188/mo
Today · 4.125%
HK$7,262
baseline
▲ 0.50% · 4.625%
HK$7,644
+HK$382/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,524/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,431
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,663
−HK$234/mo
Today · 4.125%
HK$7,897
baseline
▲ 0.50% · 4.625%
HK$8,378
+HK$481/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,794/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,267
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,489
−HK$225/mo
Today · 4.125%
HK$8,714
baseline
▲ 0.50% · 4.625%
HK$9,173
+HK$459/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,428/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,670
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,940
−HK$274/mo
Today · 4.125%
HK$9,214
baseline
▲ 0.50% · 4.625%
HK$9,774
+HK$560/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$18,428/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,645
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,904
−HK$262/mo
Today · 4.125%
HK$10,166
baseline
▲ 0.50% · 4.625%
HK$10,702
+HK$536/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$20,332/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,147
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,494
−HK$352/mo
Today · 4.125%
HK$11,846
baseline
▲ 0.50% · 4.625%
HK$12,567
+HK$721/mo
Deposit HK$272K · loan HK$2.44M · min. income ≈ HK$23,692/mo (50% DSR)
Upfront cash ≈ HK$272K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,401
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,734
−HK$337/mo
Today · 4.125%
HK$13,071
baseline
▲ 0.50% · 4.625%
HK$13,760
+HK$689/mo
Deposit HK$272K · loan HK$2.44M · min. income ≈ HK$26,142/mo (50% DSR)
Upfront cash ≈ HK$272K (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).