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$6,076
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,265
−HK$192/mo
Today · 4.125%
HK$6,457
baseline
▲ 0.50% · 4.625%
HK$6,850
+HK$393/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,914/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,760
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,941
−HK$184/mo
Today · 4.125%
HK$7,125
baseline
▲ 0.50% · 4.625%
HK$7,501
+HK$376/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,250/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,291
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,518
−HK$231/mo
Today · 4.125%
HK$7,749
baseline
▲ 0.50% · 4.625%
HK$8,220
+HK$471/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,498/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,112
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,329
−HK$221/mo
Today · 4.125%
HK$8,550
baseline
▲ 0.50% · 4.625%
HK$9,001
+HK$451/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,100/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,507
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,771
−HK$269/mo
Today · 4.125%
HK$9,040
baseline
▲ 0.50% · 4.625%
HK$9,590
+HK$550/mo
Deposit HK$799K · loan HK$1.87M · min. income ≈ HK$18,080/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,464
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,717
−HK$258/mo
Today · 4.125%
HK$9,975
baseline
▲ 0.50% · 4.625%
HK$10,501
+HK$526/mo
Deposit HK$799K · loan HK$1.87M · min. income ≈ HK$19,950/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,937
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,277
−HK$346/mo
Today · 4.125%
HK$11,623
baseline
▲ 0.50% · 4.625%
HK$12,330
+HK$707/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$23,246/mo (50% DSR)
Upfront cash ≈ HK$267K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,168
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,494
−HK$331/mo
Today · 4.125%
HK$12,825
baseline
▲ 0.50% · 4.625%
HK$13,501
+HK$676/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$25,650/mo (50% DSR)
Upfront cash ≈ HK$267K (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).