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$5,949
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,134
−HK$188/mo
Today · 4.125%
HK$6,322
baseline
▲ 0.50% · 4.625%
HK$6,707
+HK$385/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,644/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$6,619
−HK$357/mo
▼ 0.25% · 3.875%
HK$6,796
−HK$180/mo
Today · 4.125%
HK$6,976
baseline
▲ 0.50% · 4.625%
HK$7,344
+HK$368/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,952/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$7,139
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,361
−HK$226/mo
Today · 4.125%
HK$7,587
baseline
▲ 0.50% · 4.625%
HK$8,049
+HK$462/mo
Deposit HK$1.04M · loan HK$1.57M · min. income ≈ HK$15,174/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$7,942
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,155
−HK$216/mo
Today · 4.125%
HK$8,371
baseline
▲ 0.50% · 4.625%
HK$8,813
+HK$442/mo
Deposit HK$1.04M · loan HK$1.57M · min. income ≈ HK$16,742/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$8,329
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,588
−HK$263/mo
Today · 4.125%
HK$8,851
baseline
▲ 0.50% · 4.625%
HK$9,390
+HK$539/mo
Deposit HK$783K · loan HK$1.83M · min. income ≈ HK$17,702/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,266
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,515
−HK$252/mo
Today · 4.125%
HK$9,767
baseline
▲ 0.50% · 4.625%
HK$10,281
+HK$514/mo
Deposit HK$783K · loan HK$1.83M · min. income ≈ HK$19,534/mo (50% DSR)
Upfront cash ≈ HK$783K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,709
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,042
−HK$338/mo
Today · 4.125%
HK$11,380
baseline
▲ 0.50% · 4.625%
HK$12,073
+HK$693/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$22,760/mo (50% DSR)
Upfront cash ≈ HK$261K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,913
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,233
−HK$324/mo
Today · 4.125%
HK$12,557
baseline
▲ 0.50% · 4.625%
HK$13,219
+HK$662/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$25,114/mo (50% DSR)
Upfront cash ≈ HK$261K (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).