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$6,040
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,228
−HK$191/mo
Today · 4.125%
HK$6,419
baseline
▲ 0.50% · 4.625%
HK$6,809
+HK$390/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,838/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,720
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,900
−HK$183/mo
Today · 4.125%
HK$7,083
baseline
▲ 0.50% · 4.625%
HK$7,456
+HK$373/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,166/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,248
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,474
−HK$229/mo
Today · 4.125%
HK$7,703
baseline
▲ 0.50% · 4.625%
HK$8,171
+HK$468/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,406/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,063
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,280
−HK$219/mo
Today · 4.125%
HK$8,499
baseline
▲ 0.50% · 4.625%
HK$8,947
+HK$448/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$16,998/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,456
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,719
−HK$267/mo
Today · 4.125%
HK$8,986
baseline
▲ 0.50% · 4.625%
HK$9,533
+HK$547/mo
Deposit HK$795K · loan HK$1.85M · min. income ≈ HK$17,972/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,407
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,660
−HK$256/mo
Today · 4.125%
HK$9,916
baseline
▲ 0.50% · 4.625%
HK$10,438
+HK$522/mo
Deposit HK$795K · loan HK$1.85M · min. income ≈ HK$19,832/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,872
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,210
−HK$344/mo
Today · 4.125%
HK$11,554
baseline
▲ 0.50% · 4.625%
HK$12,257
+HK$703/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$23,108/mo (50% DSR)
Upfront cash ≈ HK$265K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,095
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,420
−HK$329/mo
Today · 4.125%
HK$12,749
baseline
▲ 0.50% · 4.625%
HK$13,421
+HK$672/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$25,498/mo (50% DSR)
Upfront cash ≈ HK$265K (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).