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$5,997
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,184
−HK$189/mo
Today · 4.125%
HK$6,373
baseline
▲ 0.50% · 4.625%
HK$6,761
+HK$388/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,746/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$6,672
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,851
−HK$181/mo
Today · 4.125%
HK$7,032
baseline
▲ 0.50% · 4.625%
HK$7,403
+HK$371/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,064/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$7,197
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,421
−HK$227/mo
Today · 4.125%
HK$7,648
baseline
▲ 0.50% · 4.625%
HK$8,113
+HK$465/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,296/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$8,006
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,221
−HK$218/mo
Today · 4.125%
HK$8,439
baseline
▲ 0.50% · 4.625%
HK$8,884
+HK$445/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,878/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$8,396
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,657
−HK$266/mo
Today · 4.125%
HK$8,923
baseline
▲ 0.50% · 4.625%
HK$9,466
+HK$543/mo
Deposit HK$789K · loan HK$1.84M · min. income ≈ HK$17,846/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,341
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,591
−HK$254/mo
Today · 4.125%
HK$9,845
baseline
▲ 0.50% · 4.625%
HK$10,364
+HK$519/mo
Deposit HK$789K · loan HK$1.84M · min. income ≈ HK$19,690/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,795
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,131
−HK$341/mo
Today · 4.125%
HK$11,472
baseline
▲ 0.50% · 4.625%
HK$12,170
+HK$698/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$22,944/mo (50% DSR)
Upfront cash ≈ HK$263K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,009
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,331
−HK$327/mo
Today · 4.125%
HK$12,658
baseline
▲ 0.50% · 4.625%
HK$13,325
+HK$667/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$25,316/mo (50% DSR)
Upfront cash ≈ HK$263K (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).