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$5,833
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,015
−HK$184/mo
Today · 4.125%
HK$6,199
baseline
▲ 0.50% · 4.625%
HK$6,576
+HK$377/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,398/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,489
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,663
−HK$177/mo
Today · 4.125%
HK$6,840
baseline
▲ 0.50% · 4.625%
HK$7,200
+HK$360/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,680/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,000
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,217
−HK$222/mo
Today · 4.125%
HK$7,439
baseline
▲ 0.50% · 4.625%
HK$7,891
+HK$452/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,878/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,787
−HK$421/mo
▼ 0.25% · 3.875%
HK$7,996
−HK$212/mo
Today · 4.125%
HK$8,208
baseline
▲ 0.50% · 4.625%
HK$8,641
+HK$433/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,416/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,166
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,420
−HK$258/mo
Today · 4.125%
HK$8,678
baseline
▲ 0.50% · 4.625%
HK$9,207
+HK$529/mo
Deposit HK$767K · loan HK$1.79M · min. income ≈ HK$17,356/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,085
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,329
−HK$247/mo
Today · 4.125%
HK$9,576
baseline
▲ 0.50% · 4.625%
HK$10,081
+HK$505/mo
Deposit HK$767K · loan HK$1.79M · min. income ≈ HK$19,152/mo (50% DSR)
Upfront cash ≈ HK$768K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,500
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,826
−HK$332/mo
Today · 4.125%
HK$11,158
baseline
▲ 0.50% · 4.625%
HK$11,837
+HK$679/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$22,316/mo (50% DSR)
Upfront cash ≈ HK$256K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,681
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,994
−HK$318/mo
Today · 4.125%
HK$12,312
baseline
▲ 0.50% · 4.625%
HK$12,961
+HK$649/mo
Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$24,624/mo (50% DSR)
Upfront cash ≈ HK$256K (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).