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$5,859
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,041
−HK$186/mo
Today · 4.125%
HK$6,227
baseline
▲ 0.50% · 4.625%
HK$6,606
+HK$379/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,454/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,518
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,693
−HK$177/mo
Today · 4.125%
HK$6,870
baseline
▲ 0.50% · 4.625%
HK$7,233
+HK$363/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,740/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,031
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,250
−HK$222/mo
Today · 4.125%
HK$7,472
baseline
▲ 0.50% · 4.625%
HK$7,927
+HK$455/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,944/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,822
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,032
−HK$213/mo
Today · 4.125%
HK$8,245
baseline
▲ 0.50% · 4.625%
HK$8,679
+HK$434/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,490/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,203
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,458
−HK$259/mo
Today · 4.125%
HK$8,717
baseline
▲ 0.50% · 4.625%
HK$9,248
+HK$531/mo
Deposit HK$771K · loan HK$1.80M · min. income ≈ HK$17,434/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,126
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,370
−HK$249/mo
Today · 4.125%
HK$9,619
baseline
▲ 0.50% · 4.625%
HK$10,126
+HK$507/mo
Deposit HK$771K · loan HK$1.80M · min. income ≈ HK$19,238/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,547
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,875
−HK$333/mo
Today · 4.125%
HK$11,208
baseline
▲ 0.50% · 4.625%
HK$11,890
+HK$682/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$22,416/mo (50% DSR)
Upfront cash ≈ HK$257K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,733
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,048
−HK$319/mo
Today · 4.125%
HK$12,367
baseline
▲ 0.50% · 4.625%
HK$13,019
+HK$652/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$24,734/mo (50% DSR)
Upfront cash ≈ HK$257K (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).