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$5,892
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,075
−HK$186/mo
Today · 4.125%
HK$6,261
baseline
▲ 0.50% · 4.625%
HK$6,642
+HK$381/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,522/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,555
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,731
−HK$178/mo
Today · 4.125%
HK$6,909
baseline
▲ 0.50% · 4.625%
HK$7,273
+HK$364/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,818/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,070
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,290
−HK$224/mo
Today · 4.125%
HK$7,514
baseline
▲ 0.50% · 4.625%
HK$7,971
+HK$457/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$15,028/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,866
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,077
−HK$214/mo
Today · 4.125%
HK$8,291
baseline
▲ 0.50% · 4.625%
HK$8,728
+HK$437/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,582/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,249
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,505
−HK$261/mo
Today · 4.125%
HK$8,766
baseline
▲ 0.50% · 4.625%
HK$9,299
+HK$533/mo
Deposit HK$775K · loan HK$1.81M · min. income ≈ HK$17,532/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,177
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,423
−HK$249/mo
Today · 4.125%
HK$9,672
baseline
▲ 0.50% · 4.625%
HK$10,182
+HK$510/mo
Deposit HK$775K · loan HK$1.81M · min. income ≈ HK$19,344/mo (50% DSR)
Upfront cash ≈ HK$775K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,605
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,935
−HK$336/mo
Today · 4.125%
HK$11,271
baseline
▲ 0.50% · 4.625%
HK$11,956
+HK$685/mo
Deposit HK$258K · loan HK$2.33M · min. income ≈ HK$22,542/mo (50% DSR)
Upfront cash ≈ HK$258K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,798
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,115
−HK$321/mo
Today · 4.125%
HK$12,436
baseline
▲ 0.50% · 4.625%
HK$13,091
+HK$655/mo
Deposit HK$258K · loan HK$2.33M · min. income ≈ HK$24,872/mo (50% DSR)
Upfront cash ≈ HK$258K (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).