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$5,976
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,162
−HK$189/mo
Today · 4.125%
HK$6,351
baseline
▲ 0.50% · 4.625%
HK$6,737
+HK$386/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,702/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,648
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,826
−HK$181/mo
Today · 4.125%
HK$7,007
baseline
▲ 0.50% · 4.625%
HK$7,377
+HK$370/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,014/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,171
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,394
−HK$227/mo
Today · 4.125%
HK$7,621
baseline
▲ 0.50% · 4.625%
HK$8,084
+HK$463/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,242/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,978
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,192
−HK$217/mo
Today · 4.125%
HK$8,409
baseline
▲ 0.50% · 4.625%
HK$8,852
+HK$443/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,818/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,366
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,626
−HK$265/mo
Today · 4.125%
HK$8,891
baseline
▲ 0.50% · 4.625%
HK$9,432
+HK$541/mo
Deposit HK$786K · loan HK$1.83M · min. income ≈ HK$17,782/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,307
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,557
−HK$253/mo
Today · 4.125%
HK$9,810
baseline
▲ 0.50% · 4.625%
HK$10,327
+HK$517/mo
Deposit HK$786K · loan HK$1.83M · min. income ≈ HK$19,620/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,757
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,091
−HK$340/mo
Today · 4.125%
HK$11,431
baseline
▲ 0.50% · 4.625%
HK$12,127
+HK$696/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$22,862/mo (50% DSR)
Upfront cash ≈ HK$262K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,967
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,288
−HK$325/mo
Today · 4.125%
HK$12,613
baseline
▲ 0.50% · 4.625%
HK$13,278
+HK$665/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$25,226/mo (50% DSR)
Upfront cash ≈ HK$262K (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).