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$5,895
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,078
−HK$186/mo
Today · 4.125%
HK$6,264
baseline
▲ 0.50% · 4.625%
HK$6,645
+HK$381/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,528/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$6,558
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,734
−HK$178/mo
Today · 4.125%
HK$6,912
baseline
▲ 0.50% · 4.625%
HK$7,276
+HK$364/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,824/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$7,074
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,294
−HK$223/mo
Today · 4.125%
HK$7,517
baseline
▲ 0.50% · 4.625%
HK$7,975
+HK$458/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$15,034/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$7,869
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,080
−HK$214/mo
Today · 4.125%
HK$8,294
baseline
▲ 0.50% · 4.625%
HK$8,732
+HK$438/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,588/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$8,252
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,509
−HK$261/mo
Today · 4.125%
HK$8,770
baseline
▲ 0.50% · 4.625%
HK$9,304
+HK$534/mo
Deposit HK$776K · loan HK$1.81M · min. income ≈ HK$17,540/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,181
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,427
−HK$250/mo
Today · 4.125%
HK$9,677
baseline
▲ 0.50% · 4.625%
HK$10,187
+HK$510/mo
Deposit HK$776K · loan HK$1.81M · min. income ≈ HK$19,354/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,610
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,940
−HK$336/mo
Today · 4.125%
HK$11,276
baseline
▲ 0.50% · 4.625%
HK$11,962
+HK$686/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$22,552/mo (50% DSR)
Upfront cash ≈ HK$259K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,804
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,120
−HK$322/mo
Today · 4.125%
HK$12,442
baseline
▲ 0.50% · 4.625%
HK$13,097
+HK$655/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$24,884/mo (50% DSR)
Upfront cash ≈ HK$259K (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).