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$5,732
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,910
−HK$181/mo
Today · 4.125%
HK$6,091
baseline
▲ 0.50% · 4.625%
HK$6,462
+HK$371/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,182/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$6,377
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,548
−HK$173/mo
Today · 4.125%
HK$6,721
baseline
▲ 0.50% · 4.625%
HK$7,076
+HK$355/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,442/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$6,878
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,092
−HK$218/mo
Today · 4.125%
HK$7,310
baseline
▲ 0.50% · 4.625%
HK$7,754
+HK$444/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,620/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$7,652
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,857
−HK$209/mo
Today · 4.125%
HK$8,066
baseline
▲ 0.50% · 4.625%
HK$8,491
+HK$425/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,132/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$8,025
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,274
−HK$254/mo
Today · 4.125%
HK$8,528
baseline
▲ 0.50% · 4.625%
HK$9,047
+HK$519/mo
Deposit HK$754K · loan HK$1.76M · min. income ≈ HK$17,056/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$8,927
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,167
−HK$243/mo
Today · 4.125%
HK$9,410
baseline
▲ 0.50% · 4.625%
HK$9,906
+HK$496/mo
Deposit HK$754K · loan HK$1.76M · min. income ≈ HK$18,820/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$10,318
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,638
−HK$327/mo
Today · 4.125%
HK$10,965
baseline
▲ 0.50% · 4.625%
HK$11,632
+HK$667/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$21,930/mo (50% DSR)
Upfront cash ≈ HK$251K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,478
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,786
−HK$312/mo
Today · 4.125%
HK$12,098
baseline
▲ 0.50% · 4.625%
HK$12,736
+HK$638/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$24,196/mo (50% DSR)
Upfront cash ≈ HK$251K (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).