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$6,362
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,560
−HK$201/mo
Today · 4.125%
HK$6,761
baseline
▲ 0.50% · 4.625%
HK$7,172
+HK$411/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,522/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,078
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,267
−HK$193/mo
Today · 4.125%
HK$7,460
baseline
▲ 0.50% · 4.625%
HK$7,853
+HK$393/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,920/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,634
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,872
−HK$241/mo
Today · 4.125%
HK$8,113
baseline
▲ 0.50% · 4.625%
HK$8,607
+HK$494/mo
Deposit HK$1.12M · loan HK$1.67M · min. income ≈ HK$16,226/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,493
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,721
−HK$231/mo
Today · 4.125%
HK$8,952
baseline
▲ 0.50% · 4.625%
HK$9,424
+HK$472/mo
Deposit HK$1.12M · loan HK$1.67M · min. income ≈ HK$17,904/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,907
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,184
−HK$281/mo
Today · 4.125%
HK$9,465
baseline
▲ 0.50% · 4.625%
HK$10,041
+HK$576/mo
Deposit HK$837K · loan HK$1.95M · min. income ≈ HK$18,930/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,909
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,174
−HK$270/mo
Today · 4.125%
HK$10,444
baseline
▲ 0.50% · 4.625%
HK$10,994
+HK$550/mo
Deposit HK$837K · loan HK$1.95M · min. income ≈ HK$20,888/mo (50% DSR)
Upfront cash ≈ HK$837K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,451
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,808
−HK$362/mo
Today · 4.125%
HK$12,170
baseline
▲ 0.50% · 4.625%
HK$12,910
+HK$740/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$24,340/mo (50% DSR)
Upfront cash ≈ HK$279K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,740
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,081
−HK$347/mo
Today · 4.125%
HK$13,428
baseline
▲ 0.50% · 4.625%
HK$14,136
+HK$708/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$26,856/mo (50% DSR)
Upfront cash ≈ HK$279K (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).