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$6,289
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,484
−HK$199/mo
Today · 4.125%
HK$6,683
baseline
▲ 0.50% · 4.625%
HK$7,090
+HK$407/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,366/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,996
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,184
−HK$190/mo
Today · 4.125%
HK$7,374
baseline
▲ 0.50% · 4.625%
HK$7,763
+HK$389/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,748/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,546
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,781
−HK$239/mo
Today · 4.125%
HK$8,020
baseline
▲ 0.50% · 4.625%
HK$8,507
+HK$487/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$16,040/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,395
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,620
−HK$229/mo
Today · 4.125%
HK$8,849
baseline
▲ 0.50% · 4.625%
HK$9,315
+HK$466/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,698/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,804
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,078
−HK$278/mo
Today · 4.125%
HK$9,356
baseline
▲ 0.50% · 4.625%
HK$9,925
+HK$569/mo
Deposit HK$827K · loan HK$1.93M · min. income ≈ HK$18,712/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,794
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,057
−HK$267/mo
Today · 4.125%
HK$10,324
baseline
▲ 0.50% · 4.625%
HK$10,868
+HK$544/mo
Deposit HK$827K · loan HK$1.93M · min. income ≈ HK$20,648/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,319
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,672
−HK$357/mo
Today · 4.125%
HK$12,029
baseline
▲ 0.50% · 4.625%
HK$12,761
+HK$732/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$24,058/mo (50% DSR)
Upfront cash ≈ HK$276K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,593
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,930
−HK$343/mo
Today · 4.125%
HK$13,273
baseline
▲ 0.50% · 4.625%
HK$13,973
+HK$700/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$26,546/mo (50% DSR)
Upfront cash ≈ HK$276K (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).