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$6,228
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,422
−HK$196/mo
Today · 4.125%
HK$6,618
baseline
▲ 0.50% · 4.625%
HK$7,021
+HK$403/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,236/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,928
−HK$375/mo
▼ 0.25% · 3.875%
HK$7,114
−HK$189/mo
Today · 4.125%
HK$7,303
baseline
▲ 0.50% · 4.625%
HK$7,688
+HK$385/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,606/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,473
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,706
−HK$236/mo
Today · 4.125%
HK$7,942
baseline
▲ 0.50% · 4.625%
HK$8,425
+HK$483/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,884/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,314
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,537
−HK$226/mo
Today · 4.125%
HK$8,763
baseline
▲ 0.50% · 4.625%
HK$9,225
+HK$462/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,526/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,719
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,990
−HK$276/mo
Today · 4.125%
HK$9,266
baseline
▲ 0.50% · 4.625%
HK$9,830
+HK$564/mo
Deposit HK$819K · loan HK$1.91M · min. income ≈ HK$18,532/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,700
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,960
−HK$264/mo
Today · 4.125%
HK$10,224
baseline
▲ 0.50% · 4.625%
HK$10,763
+HK$539/mo
Deposit HK$819K · loan HK$1.91M · min. income ≈ HK$20,448/mo (50% DSR)
Upfront cash ≈ HK$819K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,210
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,559
−HK$354/mo
Today · 4.125%
HK$11,913
baseline
▲ 0.50% · 4.625%
HK$12,638
+HK$725/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$23,826/mo (50% DSR)
Upfront cash ≈ HK$273K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,471
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,806
−HK$339/mo
Today · 4.125%
HK$13,145
baseline
▲ 0.50% · 4.625%
HK$13,838
+HK$693/mo
Deposit HK$273K · loan HK$2.46M · min. income ≈ HK$26,290/mo (50% DSR)
Upfront cash ≈ HK$273K (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).