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$6,002
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,189
−HK$189/mo
Today · 4.125%
HK$6,378
baseline
▲ 0.50% · 4.625%
HK$6,767
+HK$389/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,756/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,677
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,856
−HK$182/mo
Today · 4.125%
HK$7,038
baseline
▲ 0.50% · 4.625%
HK$7,409
+HK$371/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,076/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,202
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,427
−HK$227/mo
Today · 4.125%
HK$7,654
baseline
▲ 0.50% · 4.625%
HK$8,120
+HK$466/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,308/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,013
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,228
−HK$218/mo
Today · 4.125%
HK$8,446
baseline
▲ 0.50% · 4.625%
HK$8,891
+HK$445/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,892/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,403
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,664
−HK$266/mo
Today · 4.125%
HK$8,930
baseline
▲ 0.50% · 4.625%
HK$9,473
+HK$543/mo
Deposit HK$790K · loan HK$1.84M · min. income ≈ HK$17,860/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,348
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,599
−HK$254/mo
Today · 4.125%
HK$9,853
baseline
▲ 0.50% · 4.625%
HK$10,373
+HK$520/mo
Deposit HK$790K · loan HK$1.84M · min. income ≈ HK$19,706/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,804
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,140
−HK$341/mo
Today · 4.125%
HK$11,481
baseline
▲ 0.50% · 4.625%
HK$12,180
+HK$699/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$22,962/mo (50% DSR)
Upfront cash ≈ HK$263K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,019
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,341
−HK$327/mo
Today · 4.125%
HK$12,668
baseline
▲ 0.50% · 4.625%
HK$13,336
+HK$668/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$25,336/mo (50% DSR)
Upfront cash ≈ HK$263K (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).