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$5,784
−HK$362/mo
▼ 0.25% · 3.875%
HK$5,964
−HK$182/mo
Today · 4.125%
HK$6,146
baseline
▲ 0.50% · 4.625%
HK$6,520
+HK$374/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,292/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,434
−HK$348/mo
▼ 0.25% · 3.875%
HK$6,607
−HK$175/mo
Today · 4.125%
HK$6,782
baseline
▲ 0.50% · 4.625%
HK$7,139
+HK$357/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,564/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,941
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,156
−HK$220/mo
Today · 4.125%
HK$7,376
baseline
▲ 0.50% · 4.625%
HK$7,825
+HK$449/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$14,752/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$7,721
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,928
−HK$210/mo
Today · 4.125%
HK$8,138
baseline
▲ 0.50% · 4.625%
HK$8,567
+HK$429/mo
Deposit HK$1.01M · loan HK$1.52M · min. income ≈ HK$16,276/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$8,097
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,349
−HK$256/mo
Today · 4.125%
HK$8,605
baseline
▲ 0.50% · 4.625%
HK$9,129
+HK$524/mo
Deposit HK$761K · loan HK$1.78M · min. income ≈ HK$17,210/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,008
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,250
−HK$245/mo
Today · 4.125%
HK$9,495
baseline
▲ 0.50% · 4.625%
HK$9,995
+HK$500/mo
Deposit HK$761K · loan HK$1.78M · min. income ≈ HK$18,990/mo (50% DSR)
Upfront cash ≈ HK$761K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,411
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,735
−HK$329/mo
Today · 4.125%
HK$11,064
baseline
▲ 0.50% · 4.625%
HK$11,737
+HK$673/mo
Deposit HK$254K · loan HK$2.28M · min. income ≈ HK$22,128/mo (50% DSR)
Upfront cash ≈ HK$254K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,582
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,892
−HK$316/mo
Today · 4.125%
HK$12,208
baseline
▲ 0.50% · 4.625%
HK$12,851
+HK$643/mo
Deposit HK$254K · loan HK$2.28M · min. income ≈ HK$24,416/mo (50% DSR)
Upfront cash ≈ HK$254K (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).