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$5,745
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,924
−HK$181/mo
Today · 4.125%
HK$6,105
baseline
▲ 0.50% · 4.625%
HK$6,477
+HK$372/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,210/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,391
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,563
−HK$173/mo
Today · 4.125%
HK$6,736
baseline
▲ 0.50% · 4.625%
HK$7,092
+HK$356/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,472/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,894
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,108
−HK$218/mo
Today · 4.125%
HK$7,326
baseline
▲ 0.50% · 4.625%
HK$7,772
+HK$446/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,652/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,669
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,875
−HK$209/mo
Today · 4.125%
HK$8,084
baseline
▲ 0.50% · 4.625%
HK$8,510
+HK$426/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,168/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,043
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,293
−HK$254/mo
Today · 4.125%
HK$8,547
baseline
▲ 0.50% · 4.625%
HK$9,067
+HK$520/mo
Deposit HK$756K · loan HK$1.76M · min. income ≈ HK$17,094/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,948
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,188
−HK$243/mo
Today · 4.125%
HK$9,431
baseline
▲ 0.50% · 4.625%
HK$9,928
+HK$497/mo
Deposit HK$756K · loan HK$1.76M · min. income ≈ HK$18,862/mo (50% DSR)
Upfront cash ≈ HK$756K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,341
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,662
−HK$327/mo
Today · 4.125%
HK$10,989
baseline
▲ 0.50% · 4.625%
HK$11,658
+HK$669/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$21,978/mo (50% DSR)
Upfront cash ≈ HK$252K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,504
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,813
−HK$313/mo
Today · 4.125%
HK$12,126
baseline
▲ 0.50% · 4.625%
HK$12,765
+HK$639/mo
Deposit HK$252K · loan HK$2.27M · min. income ≈ HK$24,252/mo (50% DSR)
Upfront cash ≈ HK$252K (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).