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$5,752
−HK$361/mo
▼ 0.25% · 3.875%
HK$5,931
−HK$182/mo
Today · 4.125%
HK$6,113
baseline
▲ 0.50% · 4.625%
HK$6,485
+HK$372/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,226/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,399
−HK$346/mo
▼ 0.25% · 3.875%
HK$6,571
−HK$174/mo
Today · 4.125%
HK$6,745
baseline
▲ 0.50% · 4.625%
HK$7,100
+HK$355/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,490/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,902
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,117
−HK$218/mo
Today · 4.125%
HK$7,335
baseline
▲ 0.50% · 4.625%
HK$7,782
+HK$447/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,670/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,679
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,885
−HK$209/mo
Today · 4.125%
HK$8,094
baseline
▲ 0.50% · 4.625%
HK$8,520
+HK$426/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,188/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,053
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,303
−HK$255/mo
Today · 4.125%
HK$8,558
baseline
▲ 0.50% · 4.625%
HK$9,079
+HK$521/mo
Deposit HK$757K · loan HK$1.77M · min. income ≈ HK$17,116/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,959
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,199
−HK$244/mo
Today · 4.125%
HK$9,443
baseline
▲ 0.50% · 4.625%
HK$9,941
+HK$498/mo
Deposit HK$757K · loan HK$1.77M · min. income ≈ HK$18,886/mo (50% DSR)
Upfront cash ≈ HK$757K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,354
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,676
−HK$327/mo
Today · 4.125%
HK$11,003
baseline
▲ 0.50% · 4.625%
HK$11,673
+HK$670/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$22,006/mo (50% DSR)
Upfront cash ≈ HK$252K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,518
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,827
−HK$314/mo
Today · 4.125%
HK$12,141
baseline
▲ 0.50% · 4.625%
HK$12,781
+HK$640/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$24,282/mo (50% DSR)
Upfront cash ≈ HK$252K (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).