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$6,455
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,655
−HK$204/mo
Today · 4.125%
HK$6,859
baseline
▲ 0.50% · 4.625%
HK$7,277
+HK$418/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,718/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$7,181
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,373
−HK$196/mo
Today · 4.125%
HK$7,569
baseline
▲ 0.50% · 4.625%
HK$7,968
+HK$399/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,138/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$7,745
−HK$486/mo
▼ 0.25% · 3.875%
HK$7,986
−HK$245/mo
Today · 4.125%
HK$8,231
baseline
▲ 0.50% · 4.625%
HK$8,732
+HK$501/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,462/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,617
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,848
−HK$234/mo
Today · 4.125%
HK$9,082
baseline
▲ 0.50% · 4.625%
HK$9,561
+HK$479/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,164/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,036
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,317
−HK$286/mo
Today · 4.125%
HK$9,603
baseline
▲ 0.50% · 4.625%
HK$10,187
+HK$584/mo
Deposit HK$849K · loan HK$1.98M · min. income ≈ HK$19,206/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,053
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,323
−HK$273/mo
Today · 4.125%
HK$10,596
baseline
▲ 0.50% · 4.625%
HK$11,155
+HK$559/mo
Deposit HK$849K · loan HK$1.98M · min. income ≈ HK$21,192/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,618
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,980
−HK$367/mo
Today · 4.125%
HK$12,347
baseline
▲ 0.50% · 4.625%
HK$13,098
+HK$751/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$24,694/mo (50% DSR)
Upfront cash ≈ HK$283K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,925
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,272
−HK$351/mo
Today · 4.125%
HK$13,623
baseline
▲ 0.50% · 4.625%
HK$14,342
+HK$719/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$27,246/mo (50% DSR)
Upfront cash ≈ HK$283K (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).