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$5,806
−HK$364/mo
▼ 0.25% · 3.875%
HK$5,987
−HK$183/mo
Today · 4.125%
HK$6,170
baseline
▲ 0.50% · 4.625%
HK$6,546
+HK$376/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$12,340/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,459
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,632
−HK$176/mo
Today · 4.125%
HK$6,808
baseline
▲ 0.50% · 4.625%
HK$7,167
+HK$359/mo
Deposit HK$1.27M · loan HK$1.27M · min. income ≈ HK$13,616/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,967
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,184
−HK$220/mo
Today · 4.125%
HK$7,404
baseline
▲ 0.50% · 4.625%
HK$7,855
+HK$451/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$14,808/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,751
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,959
−HK$211/mo
Today · 4.125%
HK$8,170
baseline
▲ 0.50% · 4.625%
HK$8,600
+HK$430/mo
Deposit HK$1.02M · loan HK$1.53M · min. income ≈ HK$16,340/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,128
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,381
−HK$257/mo
Today · 4.125%
HK$8,638
baseline
▲ 0.50% · 4.625%
HK$9,164
+HK$526/mo
Deposit HK$764K · loan HK$1.78M · min. income ≈ HK$17,276/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,043
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,285
−HK$246/mo
Today · 4.125%
HK$9,531
baseline
▲ 0.50% · 4.625%
HK$10,034
+HK$503/mo
Deposit HK$764K · loan HK$1.78M · min. income ≈ HK$19,062/mo (50% DSR)
Upfront cash ≈ HK$764K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,451
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,776
−HK$330/mo
Today · 4.125%
HK$11,106
baseline
▲ 0.50% · 4.625%
HK$11,782
+HK$676/mo
Deposit HK$255K · loan HK$2.29M · min. income ≈ HK$22,212/mo (50% DSR)
Upfront cash ≈ HK$255K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,626
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,938
−HK$317/mo
Today · 4.125%
HK$12,255
baseline
▲ 0.50% · 4.625%
HK$12,901
+HK$646/mo
Deposit HK$255K · loan HK$2.29M · min. income ≈ HK$24,510/mo (50% DSR)
Upfront cash ≈ HK$255K (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).