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$5,783
−HK$363/mo
▼ 0.25% · 3.875%
HK$5,963
−HK$183/mo
Today · 4.125%
HK$6,146
baseline
▲ 0.50% · 4.625%
HK$6,520
+HK$374/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,292/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,434
−HK$347/mo
▼ 0.25% · 3.875%
HK$6,606
−HK$175/mo
Today · 4.125%
HK$6,781
baseline
▲ 0.50% · 4.625%
HK$7,139
+HK$358/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,562/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,940
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,155
−HK$220/mo
Today · 4.125%
HK$7,375
baseline
▲ 0.50% · 4.625%
HK$7,823
+HK$448/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,750/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$7,720
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,927
−HK$210/mo
Today · 4.125%
HK$8,137
baseline
▲ 0.50% · 4.625%
HK$8,566
+HK$429/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,274/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$8,096
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,348
−HK$256/mo
Today · 4.125%
HK$8,604
baseline
▲ 0.50% · 4.625%
HK$9,127
+HK$523/mo
Deposit HK$761K · loan HK$1.78M · min. income ≈ HK$17,208/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,007
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,248
−HK$246/mo
Today · 4.125%
HK$9,494
baseline
▲ 0.50% · 4.625%
HK$9,994
+HK$500/mo
Deposit HK$761K · loan HK$1.78M · min. income ≈ HK$18,988/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,409
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,733
−HK$329/mo
Today · 4.125%
HK$11,062
baseline
▲ 0.50% · 4.625%
HK$11,735
+HK$673/mo
Deposit HK$254K · loan HK$2.28M · min. income ≈ HK$22,124/mo (50% DSR)
Upfront cash ≈ HK$254K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,580
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,891
−HK$315/mo
Today · 4.125%
HK$12,206
baseline
▲ 0.50% · 4.625%
HK$12,849
+HK$643/mo
Deposit HK$254K · loan HK$2.28M · min. income ≈ HK$24,412/mo (50% DSR)
Upfront cash ≈ HK$254K (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).