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$5,971
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,157
−HK$188/mo
Today · 4.125%
HK$6,345
baseline
▲ 0.50% · 4.625%
HK$6,731
+HK$386/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,690/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,643
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,821
−HK$180/mo
Today · 4.125%
HK$7,001
baseline
▲ 0.50% · 4.625%
HK$7,371
+HK$370/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,002/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,165
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,388
−HK$226/mo
Today · 4.125%
HK$7,614
baseline
▲ 0.50% · 4.625%
HK$8,078
+HK$464/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,228/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,971
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,185
−HK$217/mo
Today · 4.125%
HK$8,402
baseline
▲ 0.50% · 4.625%
HK$8,845
+HK$443/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,804/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,359
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,619
−HK$264/mo
Today · 4.125%
HK$8,883
baseline
▲ 0.50% · 4.625%
HK$9,424
+HK$541/mo
Deposit HK$786K · loan HK$1.83M · min. income ≈ HK$17,766/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,300
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,549
−HK$253/mo
Today · 4.125%
HK$9,802
baseline
▲ 0.50% · 4.625%
HK$10,319
+HK$517/mo
Deposit HK$786K · loan HK$1.83M · min. income ≈ HK$19,604/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,748
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,082
−HK$340/mo
Today · 4.125%
HK$11,422
baseline
▲ 0.50% · 4.625%
HK$12,117
+HK$695/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$22,844/mo (50% DSR)
Upfront cash ≈ HK$262K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,957
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,277
−HK$326/mo
Today · 4.125%
HK$12,603
baseline
▲ 0.50% · 4.625%
HK$13,267
+HK$664/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$25,206/mo (50% DSR)
Upfront cash ≈ HK$262K (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).