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$6,171
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,362
−HK$195/mo
Today · 4.125%
HK$6,557
baseline
▲ 0.50% · 4.625%
HK$6,956
+HK$399/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,114/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,865
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,049
−HK$187/mo
Today · 4.125%
HK$7,236
baseline
▲ 0.50% · 4.625%
HK$7,617
+HK$381/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,472/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,405
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,635
−HK$234/mo
Today · 4.125%
HK$7,869
baseline
▲ 0.50% · 4.625%
HK$8,348
+HK$479/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,738/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,238
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,458
−HK$225/mo
Today · 4.125%
HK$8,683
baseline
▲ 0.50% · 4.625%
HK$9,140
+HK$457/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,366/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,639
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,907
−HK$273/mo
Today · 4.125%
HK$9,180
baseline
▲ 0.50% · 4.625%
HK$9,739
+HK$559/mo
Deposit HK$812K · loan HK$1.89M · min. income ≈ HK$18,360/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,610
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,868
−HK$262/mo
Today · 4.125%
HK$10,130
baseline
▲ 0.50% · 4.625%
HK$10,664
+HK$534/mo
Deposit HK$812K · loan HK$1.89M · min. income ≈ HK$20,260/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,107
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,452
−HK$351/mo
Today · 4.125%
HK$11,803
baseline
▲ 0.50% · 4.625%
HK$12,522
+HK$719/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,606/mo (50% DSR)
Upfront cash ≈ HK$271K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,356
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,688
−HK$336/mo
Today · 4.125%
HK$13,024
baseline
▲ 0.50% · 4.625%
HK$13,710
+HK$686/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$26,048/mo (50% DSR)
Upfront cash ≈ HK$271K (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).