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$5,822
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,003
−HK$184/mo
Today · 4.125%
HK$6,187
baseline
▲ 0.50% · 4.625%
HK$6,564
+HK$377/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,374/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,477
−HK$350/mo
▼ 0.25% · 3.875%
HK$6,651
−HK$176/mo
Today · 4.125%
HK$6,827
baseline
▲ 0.50% · 4.625%
HK$7,187
+HK$360/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,654/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,987
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,204
−HK$221/mo
Today · 4.125%
HK$7,425
baseline
▲ 0.50% · 4.625%
HK$7,877
+HK$452/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,850/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,773
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,981
−HK$212/mo
Today · 4.125%
HK$8,193
baseline
▲ 0.50% · 4.625%
HK$8,624
+HK$431/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,386/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,151
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,405
−HK$257/mo
Today · 4.125%
HK$8,662
baseline
▲ 0.50% · 4.625%
HK$9,189
+HK$527/mo
Deposit HK$766K · loan HK$1.79M · min. income ≈ HK$17,324/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,068
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,311
−HK$247/mo
Today · 4.125%
HK$9,558
baseline
▲ 0.50% · 4.625%
HK$10,062
+HK$504/mo
Deposit HK$766K · loan HK$1.79M · min. income ≈ HK$19,116/mo (50% DSR)
Upfront cash ≈ HK$766K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,480
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,806
−HK$331/mo
Today · 4.125%
HK$11,137
baseline
▲ 0.50% · 4.625%
HK$11,815
+HK$678/mo
Deposit HK$255K · loan HK$2.30M · min. income ≈ HK$22,274/mo (50% DSR)
Upfront cash ≈ HK$255K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,659
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,972
−HK$317/mo
Today · 4.125%
HK$12,289
baseline
▲ 0.50% · 4.625%
HK$12,937
+HK$648/mo
Deposit HK$255K · loan HK$2.30M · min. income ≈ HK$24,578/mo (50% DSR)
Upfront cash ≈ HK$255K (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).