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$6,427
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,627
−HK$204/mo
Today · 4.125%
HK$6,831
baseline
▲ 0.50% · 4.625%
HK$7,246
+HK$415/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,662/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,151
−HK$386/mo
▼ 0.25% · 3.875%
HK$7,342
−HK$195/mo
Today · 4.125%
HK$7,537
baseline
▲ 0.50% · 4.625%
HK$7,934
+HK$397/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,074/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,713
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,953
−HK$244/mo
Today · 4.125%
HK$8,197
baseline
▲ 0.50% · 4.625%
HK$8,695
+HK$498/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,394/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,581
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,811
−HK$233/mo
Today · 4.125%
HK$9,044
baseline
▲ 0.50% · 4.625%
HK$9,521
+HK$477/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,088/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,998
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,278
−HK$285/mo
Today · 4.125%
HK$9,563
baseline
▲ 0.50% · 4.625%
HK$10,145
+HK$582/mo
Deposit HK$846K · loan HK$1.97M · min. income ≈ HK$19,126/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,011
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,279
−HK$273/mo
Today · 4.125%
HK$10,552
baseline
▲ 0.50% · 4.625%
HK$11,108
+HK$556/mo
Deposit HK$846K · loan HK$1.97M · min. income ≈ HK$21,104/mo (50% DSR)
Upfront cash ≈ HK$846K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,569
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,929
−HK$366/mo
Today · 4.125%
HK$12,295
baseline
▲ 0.50% · 4.625%
HK$13,043
+HK$748/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$24,590/mo (50% DSR)
Upfront cash ≈ HK$282K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,871
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,216
−HK$350/mo
Today · 4.125%
HK$13,566
baseline
▲ 0.50% · 4.625%
HK$14,281
+HK$715/mo
Deposit HK$282K · loan HK$2.54M · min. income ≈ HK$27,132/mo (50% DSR)
Upfront cash ≈ HK$282K (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).