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$6,477
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,678
−HK$205/mo
Today · 4.125%
HK$6,883
baseline
▲ 0.50% · 4.625%
HK$7,302
+HK$419/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,766/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,205
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,399
−HK$196/mo
Today · 4.125%
HK$7,595
baseline
▲ 0.50% · 4.625%
HK$7,995
+HK$400/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,190/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,772
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,014
−HK$246/mo
Today · 4.125%
HK$8,260
baseline
▲ 0.50% · 4.625%
HK$8,762
+HK$502/mo
Deposit HK$1.14M · loan HK$1.70M · min. income ≈ HK$16,520/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,646
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,878
−HK$236/mo
Today · 4.125%
HK$9,114
baseline
▲ 0.50% · 4.625%
HK$9,594
+HK$480/mo
Deposit HK$1.14M · loan HK$1.70M · min. income ≈ HK$18,228/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,067
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,350
−HK$286/mo
Today · 4.125%
HK$9,636
baseline
▲ 0.50% · 4.625%
HK$10,222
+HK$586/mo
Deposit HK$852K · loan HK$1.99M · min. income ≈ HK$19,272/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,087
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,358
−HK$274/mo
Today · 4.125%
HK$10,632
baseline
▲ 0.50% · 4.625%
HK$11,193
+HK$561/mo
Deposit HK$852K · loan HK$1.99M · min. income ≈ HK$21,264/mo (50% DSR)
Upfront cash ≈ HK$852K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,658
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,021
−HK$368/mo
Today · 4.125%
HK$12,389
baseline
▲ 0.50% · 4.625%
HK$13,143
+HK$754/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$24,778/mo (50% DSR)
Upfront cash ≈ HK$284K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,970
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,317
−HK$353/mo
Today · 4.125%
HK$13,670
baseline
▲ 0.50% · 4.625%
HK$14,391
+HK$721/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$27,340/mo (50% DSR)
Upfront cash ≈ HK$284K (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).