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$5,851
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,033
−HK$185/mo
Today · 4.125%
HK$6,218
baseline
▲ 0.50% · 4.625%
HK$6,596
+HK$378/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,436/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,509
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,684
−HK$177/mo
Today · 4.125%
HK$6,861
baseline
▲ 0.50% · 4.625%
HK$7,222
+HK$361/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,722/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,021
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,240
−HK$221/mo
Today · 4.125%
HK$7,461
baseline
▲ 0.50% · 4.625%
HK$7,915
+HK$454/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,922/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,811
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,020
−HK$213/mo
Today · 4.125%
HK$8,233
baseline
▲ 0.50% · 4.625%
HK$8,667
+HK$434/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,466/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,191
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,446
−HK$259/mo
Today · 4.125%
HK$8,705
baseline
▲ 0.50% · 4.625%
HK$9,235
+HK$530/mo
Deposit HK$770K · loan HK$1.80M · min. income ≈ HK$17,410/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,113
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,357
−HK$248/mo
Today · 4.125%
HK$9,605
baseline
▲ 0.50% · 4.625%
HK$10,111
+HK$506/mo
Deposit HK$770K · loan HK$1.80M · min. income ≈ HK$19,210/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,532
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,859
−HK$333/mo
Today · 4.125%
HK$11,192
baseline
▲ 0.50% · 4.625%
HK$11,873
+HK$681/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$22,384/mo (50% DSR)
Upfront cash ≈ HK$257K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,716
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,031
−HK$318/mo
Today · 4.125%
HK$12,349
baseline
▲ 0.50% · 4.625%
HK$13,000
+HK$651/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$24,698/mo (50% DSR)
Upfront cash ≈ HK$257K (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).