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$6,302
−HK$395/mo
▼ 0.25% · 3.875%
HK$6,498
−HK$199/mo
Today · 4.125%
HK$6,697
baseline
▲ 0.50% · 4.625%
HK$7,104
+HK$407/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,394/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,011
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,199
−HK$190/mo
Today · 4.125%
HK$7,389
baseline
▲ 0.50% · 4.625%
HK$7,779
+HK$390/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,778/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,562
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,797
−HK$239/mo
Today · 4.125%
HK$8,036
baseline
▲ 0.50% · 4.625%
HK$8,525
+HK$489/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,072/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,413
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,638
−HK$229/mo
Today · 4.125%
HK$8,867
baseline
▲ 0.50% · 4.625%
HK$9,335
+HK$468/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,734/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,822
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,097
−HK$279/mo
Today · 4.125%
HK$9,376
baseline
▲ 0.50% · 4.625%
HK$9,946
+HK$570/mo
Deposit HK$829K · loan HK$1.93M · min. income ≈ HK$18,752/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,815
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,078
−HK$267/mo
Today · 4.125%
HK$10,345
baseline
▲ 0.50% · 4.625%
HK$10,891
+HK$546/mo
Deposit HK$829K · loan HK$1.93M · min. income ≈ HK$20,690/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,343
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,696
−HK$359/mo
Today · 4.125%
HK$12,055
baseline
▲ 0.50% · 4.625%
HK$12,788
+HK$733/mo
Deposit HK$276K · loan HK$2.49M · min. income ≈ HK$24,110/mo (50% DSR)
Upfront cash ≈ HK$276K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,619
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,958
−HK$343/mo
Today · 4.125%
HK$13,301
baseline
▲ 0.50% · 4.625%
HK$14,002
+HK$701/mo
Deposit HK$276K · loan HK$2.49M · min. income ≈ HK$26,602/mo (50% DSR)
Upfront cash ≈ HK$276K (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).