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$6,165
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,357
−HK$195/mo
Today · 4.125%
HK$6,552
baseline
▲ 0.50% · 4.625%
HK$6,950
+HK$398/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,104/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,859
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,043
−HK$186/mo
Today · 4.125%
HK$7,229
baseline
▲ 0.50% · 4.625%
HK$7,610
+HK$381/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,458/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,398
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,628
−HK$234/mo
Today · 4.125%
HK$7,862
baseline
▲ 0.50% · 4.625%
HK$8,340
+HK$478/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,724/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,230
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,451
−HK$224/mo
Today · 4.125%
HK$8,675
baseline
▲ 0.50% · 4.625%
HK$9,132
+HK$457/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,350/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,631
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,900
−HK$272/mo
Today · 4.125%
HK$9,172
baseline
▲ 0.50% · 4.625%
HK$9,730
+HK$558/mo
Deposit HK$811K · loan HK$1.89M · min. income ≈ HK$18,344/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,602
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,860
−HK$261/mo
Today · 4.125%
HK$10,121
baseline
▲ 0.50% · 4.625%
HK$10,654
+HK$533/mo
Deposit HK$811K · loan HK$1.89M · min. income ≈ HK$20,242/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,097
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,442
−HK$351/mo
Today · 4.125%
HK$11,793
baseline
▲ 0.50% · 4.625%
HK$12,511
+HK$718/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$23,586/mo (50% DSR)
Upfront cash ≈ HK$270K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,345
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,677
−HK$335/mo
Today · 4.125%
HK$13,012
baseline
▲ 0.50% · 4.625%
HK$13,698
+HK$686/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$26,024/mo (50% DSR)
Upfront cash ≈ HK$270K (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).