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$6,279
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,474
−HK$198/mo
Today · 4.125%
HK$6,672
baseline
▲ 0.50% · 4.625%
HK$7,078
+HK$406/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,344/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,985
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,172
−HK$190/mo
Today · 4.125%
HK$7,362
baseline
▲ 0.50% · 4.625%
HK$7,750
+HK$388/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,724/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,534
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,769
−HK$238/mo
Today · 4.125%
HK$8,007
baseline
▲ 0.50% · 4.625%
HK$8,494
+HK$487/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$16,014/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,382
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,607
−HK$228/mo
Today · 4.125%
HK$8,835
baseline
▲ 0.50% · 4.625%
HK$9,300
+HK$465/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,670/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,790
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,063
−HK$278/mo
Today · 4.125%
HK$9,341
baseline
▲ 0.50% · 4.625%
HK$9,910
+HK$569/mo
Deposit HK$826K · loan HK$1.93M · min. income ≈ HK$18,682/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,779
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,041
−HK$266/mo
Today · 4.125%
HK$10,307
baseline
▲ 0.50% · 4.625%
HK$10,850
+HK$543/mo
Deposit HK$826K · loan HK$1.93M · min. income ≈ HK$20,614/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,301
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,653
−HK$357/mo
Today · 4.125%
HK$12,010
baseline
▲ 0.50% · 4.625%
HK$12,741
+HK$731/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$24,020/mo (50% DSR)
Upfront cash ≈ HK$275K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,573
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,910
−HK$342/mo
Today · 4.125%
HK$13,252
baseline
▲ 0.50% · 4.625%
HK$13,950
+HK$698/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$26,504/mo (50% DSR)
Upfront cash ≈ HK$275K (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).