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$6,173
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,365
−HK$196/mo
Today · 4.125%
HK$6,561
baseline
▲ 0.50% · 4.625%
HK$6,960
+HK$399/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,122/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,868
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,052
−HK$187/mo
Today · 4.125%
HK$7,239
baseline
▲ 0.50% · 4.625%
HK$7,621
+HK$382/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,478/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,408
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,639
−HK$234/mo
Today · 4.125%
HK$7,873
baseline
▲ 0.50% · 4.625%
HK$8,352
+HK$479/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,746/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,241
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,462
−HK$225/mo
Today · 4.125%
HK$8,687
baseline
▲ 0.50% · 4.625%
HK$9,145
+HK$458/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,374/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,643
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,912
−HK$273/mo
Today · 4.125%
HK$9,185
baseline
▲ 0.50% · 4.625%
HK$9,744
+HK$559/mo
Deposit HK$812K · loan HK$1.90M · min. income ≈ HK$18,370/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,615
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,873
−HK$262/mo
Today · 4.125%
HK$10,135
baseline
▲ 0.50% · 4.625%
HK$10,669
+HK$534/mo
Deposit HK$812K · loan HK$1.90M · min. income ≈ HK$20,270/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,112
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,458
−HK$351/mo
Today · 4.125%
HK$11,809
baseline
▲ 0.50% · 4.625%
HK$12,528
+HK$719/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$23,618/mo (50% DSR)
Upfront cash ≈ HK$271K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,362
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,694
−HK$336/mo
Today · 4.125%
HK$13,030
baseline
▲ 0.50% · 4.625%
HK$13,717
+HK$687/mo
Deposit HK$271K · loan HK$2.44M · min. income ≈ HK$26,060/mo (50% DSR)
Upfront cash ≈ HK$271K (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).