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$6,286
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,481
−HK$199/mo
Today · 4.125%
HK$6,680
baseline
▲ 0.50% · 4.625%
HK$7,086
+HK$406/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,360/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$6,993
−HK$378/mo
▼ 0.25% · 3.875%
HK$7,180
−HK$191/mo
Today · 4.125%
HK$7,371
baseline
▲ 0.50% · 4.625%
HK$7,759
+HK$388/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,742/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$7,543
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,778
−HK$238/mo
Today · 4.125%
HK$8,016
baseline
▲ 0.50% · 4.625%
HK$8,504
+HK$488/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$16,032/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$8,392
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,617
−HK$228/mo
Today · 4.125%
HK$8,845
baseline
▲ 0.50% · 4.625%
HK$9,311
+HK$466/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,690/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$8,800
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,074
−HK$278/mo
Today · 4.125%
HK$9,352
baseline
▲ 0.50% · 4.625%
HK$9,921
+HK$569/mo
Deposit HK$827K · loan HK$1.93M · min. income ≈ HK$18,704/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,790
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,053
−HK$266/mo
Today · 4.125%
HK$10,319
baseline
▲ 0.50% · 4.625%
HK$10,863
+HK$544/mo
Deposit HK$827K · loan HK$1.93M · min. income ≈ HK$20,638/mo (50% DSR)
Upfront cash ≈ HK$827K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,315
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,666
−HK$358/mo
Today · 4.125%
HK$12,024
baseline
▲ 0.50% · 4.625%
HK$12,756
+HK$732/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$24,048/mo (50% DSR)
Upfront cash ≈ HK$276K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,587
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,925
−HK$342/mo
Today · 4.125%
HK$13,267
baseline
▲ 0.50% · 4.625%
HK$13,967
+HK$700/mo
Deposit HK$276K · loan HK$2.48M · min. income ≈ HK$26,534/mo (50% DSR)
Upfront cash ≈ HK$276K (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).