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$5,738
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,917
−HK$181/mo
Today · 4.125%
HK$6,098
baseline
▲ 0.50% · 4.625%
HK$6,469
+HK$371/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,196/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$6,384
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,555
−HK$173/mo
Today · 4.125%
HK$6,728
baseline
▲ 0.50% · 4.625%
HK$7,083
+HK$355/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,456/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$6,886
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,100
−HK$218/mo
Today · 4.125%
HK$7,318
baseline
▲ 0.50% · 4.625%
HK$7,763
+HK$445/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$14,636/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$7,660
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,866
−HK$208/mo
Today · 4.125%
HK$8,074
baseline
▲ 0.50% · 4.625%
HK$8,500
+HK$426/mo
Deposit HK$1.01M · loan HK$1.51M · min. income ≈ HK$16,148/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$8,033
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,283
−HK$254/mo
Today · 4.125%
HK$8,537
baseline
▲ 0.50% · 4.625%
HK$9,057
+HK$520/mo
Deposit HK$755K · loan HK$1.76M · min. income ≈ HK$17,074/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,937
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,177
−HK$243/mo
Today · 4.125%
HK$9,420
baseline
▲ 0.50% · 4.625%
HK$9,916
+HK$496/mo
Deposit HK$755K · loan HK$1.76M · min. income ≈ HK$18,840/mo (50% DSR)
Upfront cash ≈ HK$755K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,329
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,650
−HK$326/mo
Today · 4.125%
HK$10,976
baseline
▲ 0.50% · 4.625%
HK$11,644
+HK$668/mo
Deposit HK$252K · loan HK$2.26M · min. income ≈ HK$21,952/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$11,490
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,799
−HK$312/mo
Today · 4.125%
HK$12,111
baseline
▲ 0.50% · 4.625%
HK$12,750
+HK$639/mo
Deposit HK$252K · loan HK$2.26M · min. income ≈ HK$24,222/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).