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$6,121
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,311
−HK$194/mo
Today · 4.125%
HK$6,505
baseline
▲ 0.50% · 4.625%
HK$6,900
+HK$395/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$13,010/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,809
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,992
−HK$185/mo
Today · 4.125%
HK$7,177
baseline
▲ 0.50% · 4.625%
HK$7,556
+HK$379/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,354/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,345
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,573
−HK$233/mo
Today · 4.125%
HK$7,806
baseline
▲ 0.50% · 4.625%
HK$8,281
+HK$475/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,612/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,171
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,390
−HK$223/mo
Today · 4.125%
HK$8,613
baseline
▲ 0.50% · 4.625%
HK$9,067
+HK$454/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,226/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,569
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,836
−HK$271/mo
Today · 4.125%
HK$9,107
baseline
▲ 0.50% · 4.625%
HK$9,661
+HK$554/mo
Deposit HK$805K · loan HK$1.88M · min. income ≈ HK$18,214/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,533
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,789
−HK$259/mo
Today · 4.125%
HK$10,048
baseline
▲ 0.50% · 4.625%
HK$10,578
+HK$530/mo
Deposit HK$805K · loan HK$1.88M · min. income ≈ HK$20,096/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,017
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,360
−HK$348/mo
Today · 4.125%
HK$11,708
baseline
▲ 0.50% · 4.625%
HK$12,421
+HK$713/mo
Deposit HK$268K · loan HK$2.42M · min. income ≈ HK$23,416/mo (50% DSR)
Upfront cash ≈ HK$269K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,257
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,586
−HK$333/mo
Today · 4.125%
HK$12,919
baseline
▲ 0.50% · 4.625%
HK$13,600
+HK$681/mo
Deposit HK$268K · loan HK$2.42M · min. income ≈ HK$25,838/mo (50% DSR)
Upfront cash ≈ HK$269K (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).