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$6,310
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,507
−HK$199/mo
Today · 4.125%
HK$6,706
baseline
▲ 0.50% · 4.625%
HK$7,114
+HK$408/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,412/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,020
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,208
−HK$191/mo
Today · 4.125%
HK$7,399
baseline
▲ 0.50% · 4.625%
HK$7,789
+HK$390/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,798/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,572
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,808
−HK$239/mo
Today · 4.125%
HK$8,047
baseline
▲ 0.50% · 4.625%
HK$8,537
+HK$490/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,094/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,424
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,650
−HK$229/mo
Today · 4.125%
HK$8,879
baseline
▲ 0.50% · 4.625%
HK$9,347
+HK$468/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,758/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,834
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,109
−HK$279/mo
Today · 4.125%
HK$9,388
baseline
▲ 0.50% · 4.625%
HK$9,960
+HK$572/mo
Deposit HK$830K · loan HK$1.94M · min. income ≈ HK$18,776/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,828
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,092
−HK$267/mo
Today · 4.125%
HK$10,359
baseline
▲ 0.50% · 4.625%
HK$10,905
+HK$546/mo
Deposit HK$830K · loan HK$1.94M · min. income ≈ HK$20,718/mo (50% DSR)
Upfront cash ≈ HK$830K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,358
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,712
−HK$359/mo
Today · 4.125%
HK$12,071
baseline
▲ 0.50% · 4.625%
HK$12,805
+HK$734/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$24,142/mo (50% DSR)
Upfront cash ≈ HK$277K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,636
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,975
−HK$344/mo
Today · 4.125%
HK$13,319
baseline
▲ 0.50% · 4.625%
HK$14,021
+HK$702/mo
Deposit HK$277K · loan HK$2.49M · min. income ≈ HK$26,638/mo (50% DSR)
Upfront cash ≈ HK$277K (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).