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$6,199
−HK$389/mo
▼ 0.25% · 3.875%
HK$6,392
−HK$196/mo
Today · 4.125%
HK$6,588
baseline
▲ 0.50% · 4.625%
HK$6,989
+HK$401/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,176/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,897
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,082
−HK$187/mo
Today · 4.125%
HK$7,269
baseline
▲ 0.50% · 4.625%
HK$7,653
+HK$384/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,538/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,439
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,671
−HK$235/mo
Today · 4.125%
HK$7,906
baseline
▲ 0.50% · 4.625%
HK$8,387
+HK$481/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,812/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,276
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,498
−HK$225/mo
Today · 4.125%
HK$8,723
baseline
▲ 0.50% · 4.625%
HK$9,183
+HK$460/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,446/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,679
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,949
−HK$274/mo
Today · 4.125%
HK$9,223
baseline
▲ 0.50% · 4.625%
HK$9,785
+HK$562/mo
Deposit HK$816K · loan HK$1.90M · min. income ≈ HK$18,446/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,655
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,914
−HK$263/mo
Today · 4.125%
HK$10,177
baseline
▲ 0.50% · 4.625%
HK$10,714
+HK$537/mo
Deposit HK$816K · loan HK$1.90M · min. income ≈ HK$20,354/mo (50% DSR)
Upfront cash ≈ HK$816K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,159
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,506
−HK$353/mo
Today · 4.125%
HK$11,859
baseline
▲ 0.50% · 4.625%
HK$12,580
+HK$721/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$23,718/mo (50% DSR)
Upfront cash ≈ HK$272K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,414
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,747
−HK$338/mo
Today · 4.125%
HK$13,085
baseline
▲ 0.50% · 4.625%
HK$13,775
+HK$690/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$26,170/mo (50% DSR)
Upfront cash ≈ HK$272K (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).