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$6,274
−HK$394/mo
▼ 0.25% · 3.875%
HK$6,469
−HK$199/mo
Today · 4.125%
HK$6,668
baseline
▲ 0.50% · 4.625%
HK$7,073
+HK$405/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,336/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$6,980
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,167
−HK$190/mo
Today · 4.125%
HK$7,357
baseline
▲ 0.50% · 4.625%
HK$7,745
+HK$388/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,714/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$7,529
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,763
−HK$238/mo
Today · 4.125%
HK$8,001
baseline
▲ 0.50% · 4.625%
HK$8,488
+HK$487/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$16,002/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$8,376
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,601
−HK$227/mo
Today · 4.125%
HK$8,828
baseline
▲ 0.50% · 4.625%
HK$9,294
+HK$466/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,656/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$8,784
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,057
−HK$278/mo
Today · 4.125%
HK$9,335
baseline
▲ 0.50% · 4.625%
HK$9,903
+HK$568/mo
Deposit HK$825K · loan HK$1.93M · min. income ≈ HK$18,670/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,772
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,034
−HK$266/mo
Today · 4.125%
HK$10,300
baseline
▲ 0.50% · 4.625%
HK$10,843
+HK$543/mo
Deposit HK$825K · loan HK$1.93M · min. income ≈ HK$20,600/mo (50% DSR)
Upfront cash ≈ HK$826K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,294
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,645
−HK$357/mo
Today · 4.125%
HK$12,002
baseline
▲ 0.50% · 4.625%
HK$12,732
+HK$730/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$24,004/mo (50% DSR)
Upfront cash ≈ HK$275K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,564
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,901
−HK$342/mo
Today · 4.125%
HK$13,243
baseline
▲ 0.50% · 4.625%
HK$13,941
+HK$698/mo
Deposit HK$275K · loan HK$2.48M · min. income ≈ HK$26,486/mo (50% DSR)
Upfront cash ≈ HK$275K (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).