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$5,919
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,103
−HK$187/mo
Today · 4.125%
HK$6,290
baseline
▲ 0.50% · 4.625%
HK$6,673
+HK$383/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,580/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,585
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,761
−HK$180/mo
Today · 4.125%
HK$6,941
baseline
▲ 0.50% · 4.625%
HK$7,306
+HK$365/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,882/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,103
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,324
−HK$224/mo
Today · 4.125%
HK$7,548
baseline
▲ 0.50% · 4.625%
HK$8,008
+HK$460/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,096/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,902
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,114
−HK$215/mo
Today · 4.125%
HK$8,329
baseline
▲ 0.50% · 4.625%
HK$8,768
+HK$439/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,658/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,287
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,544
−HK$262/mo
Today · 4.125%
HK$8,806
baseline
▲ 0.50% · 4.625%
HK$9,342
+HK$536/mo
Deposit HK$779K · loan HK$1.82M · min. income ≈ HK$17,612/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,219
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,466
−HK$251/mo
Today · 4.125%
HK$9,717
baseline
▲ 0.50% · 4.625%
HK$10,229
+HK$512/mo
Deposit HK$779K · loan HK$1.82M · min. income ≈ HK$19,434/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,654
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,986
−HK$336/mo
Today · 4.125%
HK$11,322
baseline
▲ 0.50% · 4.625%
HK$12,011
+HK$689/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$22,644/mo (50% DSR)
Upfront cash ≈ HK$260K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,853
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,171
−HK$322/mo
Today · 4.125%
HK$12,493
baseline
▲ 0.50% · 4.625%
HK$13,152
+HK$659/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$24,986/mo (50% DSR)
Upfront cash ≈ HK$260K (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).