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$6,169
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,361
−HK$195/mo
Today · 4.125%
HK$6,556
baseline
▲ 0.50% · 4.625%
HK$6,955
+HK$399/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,112/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,863
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,047
−HK$187/mo
Today · 4.125%
HK$7,234
baseline
▲ 0.50% · 4.625%
HK$7,615
+HK$381/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,468/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,403
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,633
−HK$234/mo
Today · 4.125%
HK$7,867
baseline
▲ 0.50% · 4.625%
HK$8,346
+HK$479/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,734/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,236
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,457
−HK$224/mo
Today · 4.125%
HK$8,681
baseline
▲ 0.50% · 4.625%
HK$9,138
+HK$457/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,362/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,637
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,905
−HK$273/mo
Today · 4.125%
HK$9,178
baseline
▲ 0.50% · 4.625%
HK$9,737
+HK$559/mo
Deposit HK$812K · loan HK$1.89M · min. income ≈ HK$18,356/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,608
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,866
−HK$261/mo
Today · 4.125%
HK$10,127
baseline
▲ 0.50% · 4.625%
HK$10,661
+HK$534/mo
Deposit HK$812K · loan HK$1.89M · min. income ≈ HK$20,254/mo (50% DSR)
Upfront cash ≈ HK$812K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,104
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,450
−HK$351/mo
Today · 4.125%
HK$11,801
baseline
▲ 0.50% · 4.625%
HK$12,519
+HK$718/mo
Deposit HK$271K · loan HK$2.43M · min. income ≈ HK$23,602/mo (50% DSR)
Upfront cash ≈ HK$271K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,353
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,685
−HK$336/mo
Today · 4.125%
HK$13,021
baseline
▲ 0.50% · 4.625%
HK$13,707
+HK$686/mo
Deposit HK$271K · loan HK$2.43M · min. income ≈ HK$26,042/mo (50% DSR)
Upfront cash ≈ HK$271K (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).