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$5,733
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,911
−HK$182/mo
Today · 4.125%
HK$6,093
baseline
▲ 0.50% · 4.625%
HK$6,463
+HK$370/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,186/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,378
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,549
−HK$173/mo
Today · 4.125%
HK$6,722
baseline
▲ 0.50% · 4.625%
HK$7,077
+HK$355/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,444/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,880
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,094
−HK$217/mo
Today · 4.125%
HK$7,311
baseline
▲ 0.50% · 4.625%
HK$7,756
+HK$445/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,622/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,653
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,859
−HK$208/mo
Today · 4.125%
HK$8,067
baseline
▲ 0.50% · 4.625%
HK$8,492
+HK$425/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,134/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,026
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,276
−HK$254/mo
Today · 4.125%
HK$8,530
baseline
▲ 0.50% · 4.625%
HK$9,049
+HK$519/mo
Deposit HK$754K · loan HK$1.76M · min. income ≈ HK$17,060/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,929
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,169
−HK$242/mo
Today · 4.125%
HK$9,411
baseline
▲ 0.50% · 4.625%
HK$9,908
+HK$497/mo
Deposit HK$754K · loan HK$1.76M · min. income ≈ HK$18,822/mo (50% DSR)
Upfront cash ≈ HK$754K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,319
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,640
−HK$327/mo
Today · 4.125%
HK$10,967
baseline
▲ 0.50% · 4.625%
HK$11,634
+HK$667/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$21,934/mo (50% DSR)
Upfront cash ≈ HK$252K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,480
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,788
−HK$312/mo
Today · 4.125%
HK$12,100
baseline
▲ 0.50% · 4.625%
HK$12,738
+HK$638/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$24,200/mo (50% DSR)
Upfront cash ≈ HK$252K (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).