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$5,902
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,085
−HK$187/mo
Today · 4.125%
HK$6,272
baseline
▲ 0.50% · 4.625%
HK$6,653
+HK$381/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,544/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,565
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,741
−HK$179/mo
Today · 4.125%
HK$6,920
baseline
▲ 0.50% · 4.625%
HK$7,285
+HK$365/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,840/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,082
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,302
−HK$224/mo
Today · 4.125%
HK$7,526
baseline
▲ 0.50% · 4.625%
HK$7,984
+HK$458/mo
Deposit HK$1.04M · loan HK$1.55M · min. income ≈ HK$15,052/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,878
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,090
−HK$214/mo
Today · 4.125%
HK$8,304
baseline
▲ 0.50% · 4.625%
HK$8,742
+HK$438/mo
Deposit HK$1.04M · loan HK$1.55M · min. income ≈ HK$16,608/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,262
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,519
−HK$261/mo
Today · 4.125%
HK$8,780
baseline
▲ 0.50% · 4.625%
HK$9,315
+HK$535/mo
Deposit HK$776K · loan HK$1.81M · min. income ≈ HK$17,560/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,192
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,438
−HK$250/mo
Today · 4.125%
HK$9,688
baseline
▲ 0.50% · 4.625%
HK$10,199
+HK$511/mo
Deposit HK$776K · loan HK$1.81M · min. income ≈ HK$19,376/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,623
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,953
−HK$336/mo
Today · 4.125%
HK$11,289
baseline
▲ 0.50% · 4.625%
HK$11,976
+HK$687/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$22,578/mo (50% DSR)
Upfront cash ≈ HK$259K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,818
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,135
−HK$321/mo
Today · 4.125%
HK$12,456
baseline
▲ 0.50% · 4.625%
HK$13,113
+HK$657/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$24,912/mo (50% DSR)
Upfront cash ≈ HK$259K (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).