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$6,266
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,461
−HK$198/mo
Today · 4.125%
HK$6,659
baseline
▲ 0.50% · 4.625%
HK$7,064
+HK$405/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,318/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,971
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,158
−HK$189/mo
Today · 4.125%
HK$7,347
baseline
▲ 0.50% · 4.625%
HK$7,734
+HK$387/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,694/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,519
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,753
−HK$237/mo
Today · 4.125%
HK$7,990
baseline
▲ 0.50% · 4.625%
HK$8,477
+HK$487/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$15,980/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$8,365
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,589
−HK$228/mo
Today · 4.125%
HK$8,817
baseline
▲ 0.50% · 4.625%
HK$9,281
+HK$464/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,634/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$8,772
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,045
−HK$277/mo
Today · 4.125%
HK$9,322
baseline
▲ 0.50% · 4.625%
HK$9,889
+HK$567/mo
Deposit HK$824K · loan HK$1.92M · min. income ≈ HK$18,644/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,759
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,021
−HK$265/mo
Today · 4.125%
HK$10,286
baseline
▲ 0.50% · 4.625%
HK$10,828
+HK$542/mo
Deposit HK$824K · loan HK$1.92M · min. income ≈ HK$20,572/mo (50% DSR)
Upfront cash ≈ HK$824K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,278
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,629
−HK$357/mo
Today · 4.125%
HK$11,986
baseline
▲ 0.50% · 4.625%
HK$12,715
+HK$729/mo
Deposit HK$275K · loan HK$2.47M · min. income ≈ HK$23,972/mo (50% DSR)
Upfront cash ≈ HK$275K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,547
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,884
−HK$341/mo
Today · 4.125%
HK$13,225
baseline
▲ 0.50% · 4.625%
HK$13,922
+HK$697/mo
Deposit HK$275K · loan HK$2.47M · min. income ≈ HK$26,450/mo (50% DSR)
Upfront cash ≈ HK$275K (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).