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$5,931
−HK$372/mo
▼ 0.25% · 3.875%
HK$6,116
−HK$187/mo
Today · 4.125%
HK$6,303
baseline
▲ 0.50% · 4.625%
HK$6,687
+HK$384/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,606/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,598
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,775
−HK$180/mo
Today · 4.125%
HK$6,955
baseline
▲ 0.50% · 4.625%
HK$7,321
+HK$366/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,910/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,117
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,339
−HK$225/mo
Today · 4.125%
HK$7,564
baseline
▲ 0.50% · 4.625%
HK$8,024
+HK$460/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,128/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,918
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,130
−HK$216/mo
Today · 4.125%
HK$8,346
baseline
▲ 0.50% · 4.625%
HK$8,786
+HK$440/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,692/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,303
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,562
−HK$262/mo
Today · 4.125%
HK$8,824
baseline
▲ 0.50% · 4.625%
HK$9,361
+HK$537/mo
Deposit HK$780K · loan HK$1.82M · min. income ≈ HK$17,648/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,238
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,485
−HK$252/mo
Today · 4.125%
HK$9,737
baseline
▲ 0.50% · 4.625%
HK$10,250
+HK$513/mo
Deposit HK$780K · loan HK$1.82M · min. income ≈ HK$19,474/mo (50% DSR)
Upfront cash ≈ HK$780K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,676
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,008
−HK$337/mo
Today · 4.125%
HK$11,345
baseline
▲ 0.50% · 4.625%
HK$12,036
+HK$691/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$22,690/mo (50% DSR)
Upfront cash ≈ HK$260K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,877
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,195
−HK$324/mo
Today · 4.125%
HK$12,519
baseline
▲ 0.50% · 4.625%
HK$13,178
+HK$659/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$25,038/mo (50% DSR)
Upfront cash ≈ HK$260K (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).