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$6,329
−HK$397/mo
▼ 0.25% · 3.875%
HK$6,526
−HK$200/mo
Today · 4.125%
HK$6,726
baseline
▲ 0.50% · 4.625%
HK$7,135
+HK$409/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,452/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,041
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,230
−HK$192/mo
Today · 4.125%
HK$7,422
baseline
▲ 0.50% · 4.625%
HK$7,813
+HK$391/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,844/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,595
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,831
−HK$240/mo
Today · 4.125%
HK$8,071
baseline
▲ 0.50% · 4.625%
HK$8,562
+HK$491/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,142/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,449
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,676
−HK$230/mo
Today · 4.125%
HK$8,906
baseline
▲ 0.50% · 4.625%
HK$9,375
+HK$469/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,812/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,861
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,137
−HK$280/mo
Today · 4.125%
HK$9,417
baseline
▲ 0.50% · 4.625%
HK$9,990
+HK$573/mo
Deposit HK$833K · loan HK$1.94M · min. income ≈ HK$18,834/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,858
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,122
−HK$268/mo
Today · 4.125%
HK$10,390
baseline
▲ 0.50% · 4.625%
HK$10,938
+HK$548/mo
Deposit HK$833K · loan HK$1.94M · min. income ≈ HK$20,780/mo (50% DSR)
Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,393
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,747
−HK$360/mo
Today · 4.125%
HK$12,107
baseline
▲ 0.50% · 4.625%
HK$12,844
+HK$737/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$24,214/mo (50% DSR)
Upfront cash ≈ HK$278K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,674
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,014
−HK$345/mo
Today · 4.125%
HK$13,359
baseline
▲ 0.50% · 4.625%
HK$14,063
+HK$704/mo
Deposit HK$278K · loan HK$2.50M · min. income ≈ HK$26,718/mo (50% DSR)
Upfront cash ≈ HK$278K (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).