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$5,772
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,952
−HK$182/mo
Today · 4.125%
HK$6,134
baseline
▲ 0.50% · 4.625%
HK$6,508
+HK$374/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,268/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,422
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,594
−HK$175/mo
Today · 4.125%
HK$6,769
baseline
▲ 0.50% · 4.625%
HK$7,125
+HK$356/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,538/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,927
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,142
−HK$219/mo
Today · 4.125%
HK$7,361
baseline
▲ 0.50% · 4.625%
HK$7,809
+HK$448/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,722/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$7,706
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,913
−HK$209/mo
Today · 4.125%
HK$8,122
baseline
▲ 0.50% · 4.625%
HK$8,551
+HK$429/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,244/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$8,081
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,333
−HK$255/mo
Today · 4.125%
HK$8,588
baseline
▲ 0.50% · 4.625%
HK$9,111
+HK$523/mo
Deposit HK$759K · loan HK$1.77M · min. income ≈ HK$17,176/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,990
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,232
−HK$244/mo
Today · 4.125%
HK$9,476
baseline
▲ 0.50% · 4.625%
HK$9,976
+HK$500/mo
Deposit HK$759K · loan HK$1.77M · min. income ≈ HK$18,952/mo (50% DSR)
Upfront cash ≈ HK$760K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,390
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,714
−HK$328/mo
Today · 4.125%
HK$11,042
baseline
▲ 0.50% · 4.625%
HK$11,714
+HK$672/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$22,084/mo (50% DSR)
Upfront cash ≈ HK$253K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,559
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,869
−HK$315/mo
Today · 4.125%
HK$12,184
baseline
▲ 0.50% · 4.625%
HK$12,826
+HK$642/mo
Deposit HK$253K · loan HK$2.28M · min. income ≈ HK$24,368/mo (50% DSR)
Upfront cash ≈ HK$253K (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).