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$6,092
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,282
−HK$192/mo
Today · 4.125%
HK$6,474
baseline
▲ 0.50% · 4.625%
HK$6,868
+HK$394/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,948/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,777
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,959
−HK$184/mo
Today · 4.125%
HK$7,143
baseline
▲ 0.50% · 4.625%
HK$7,520
+HK$377/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,286/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,310
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,538
−HK$231/mo
Today · 4.125%
HK$7,769
baseline
▲ 0.50% · 4.625%
HK$8,242
+HK$473/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,538/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,133
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,351
−HK$221/mo
Today · 4.125%
HK$8,572
baseline
▲ 0.50% · 4.625%
HK$9,024
+HK$452/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,144/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,529
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,794
−HK$270/mo
Today · 4.125%
HK$9,064
baseline
▲ 0.50% · 4.625%
HK$9,615
+HK$551/mo
Deposit HK$801K · loan HK$1.87M · min. income ≈ HK$18,128/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,488
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,743
−HK$258/mo
Today · 4.125%
HK$10,001
baseline
▲ 0.50% · 4.625%
HK$10,528
+HK$527/mo
Deposit HK$801K · loan HK$1.87M · min. income ≈ HK$20,002/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,966
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,307
−HK$346/mo
Today · 4.125%
HK$11,653
baseline
▲ 0.50% · 4.625%
HK$12,362
+HK$709/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$23,306/mo (50% DSR)
Upfront cash ≈ HK$267K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,199
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,526
−HK$332/mo
Today · 4.125%
HK$12,858
baseline
▲ 0.50% · 4.625%
HK$13,536
+HK$678/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$25,716/mo (50% DSR)
Upfront cash ≈ HK$267K (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).