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$6,481
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,682
−HK$205/mo
Today · 4.125%
HK$6,887
baseline
▲ 0.50% · 4.625%
HK$7,306
+HK$419/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,774/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,210
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,403
−HK$196/mo
Today · 4.125%
HK$7,599
baseline
▲ 0.50% · 4.625%
HK$8,000
+HK$401/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,198/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,777
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,019
−HK$245/mo
Today · 4.125%
HK$8,264
baseline
▲ 0.50% · 4.625%
HK$8,767
+HK$503/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,528/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,651
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,883
−HK$236/mo
Today · 4.125%
HK$9,119
baseline
▲ 0.50% · 4.625%
HK$9,600
+HK$481/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,238/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,073
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,355
−HK$287/mo
Today · 4.125%
HK$9,642
baseline
▲ 0.50% · 4.625%
HK$10,228
+HK$586/mo
Deposit HK$853K · loan HK$1.99M · min. income ≈ HK$19,284/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,093
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,364
−HK$275/mo
Today · 4.125%
HK$10,639
baseline
▲ 0.50% · 4.625%
HK$11,199
+HK$560/mo
Deposit HK$853K · loan HK$1.99M · min. income ≈ HK$21,278/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,665
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,028
−HK$368/mo
Today · 4.125%
HK$12,396
baseline
▲ 0.50% · 4.625%
HK$13,151
+HK$755/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$24,792/mo (50% DSR)
Upfront cash ≈ HK$284K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,977
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,325
−HK$353/mo
Today · 4.125%
HK$13,678
baseline
▲ 0.50% · 4.625%
HK$14,399
+HK$721/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$27,356/mo (50% DSR)
Upfront cash ≈ HK$284K (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).