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$6,267
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,462
−HK$198/mo
Today · 4.125%
HK$6,660
baseline
▲ 0.50% · 4.625%
HK$7,065
+HK$405/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,320/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,972
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,158
−HK$190/mo
Today · 4.125%
HK$7,348
baseline
▲ 0.50% · 4.625%
HK$7,736
+HK$388/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,696/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,520
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,754
−HK$237/mo
Today · 4.125%
HK$7,991
baseline
▲ 0.50% · 4.625%
HK$8,478
+HK$487/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$15,982/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$8,366
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,590
−HK$228/mo
Today · 4.125%
HK$8,818
baseline
▲ 0.50% · 4.625%
HK$9,283
+HK$465/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,636/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$8,773
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,046
−HK$277/mo
Today · 4.125%
HK$9,323
baseline
▲ 0.50% · 4.625%
HK$9,891
+HK$568/mo
Deposit HK$824K · loan HK$1.92M · min. income ≈ HK$18,646/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,760
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,022
−HK$265/mo
Today · 4.125%
HK$10,287
baseline
▲ 0.50% · 4.625%
HK$10,830
+HK$543/mo
Deposit HK$824K · loan HK$1.92M · min. income ≈ HK$20,574/mo (50% DSR)
Upfront cash ≈ HK$825K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,280
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,631
−HK$356/mo
Today · 4.125%
HK$11,987
baseline
▲ 0.50% · 4.625%
HK$12,717
+HK$730/mo
Deposit HK$275K · loan HK$2.47M · min. income ≈ HK$23,974/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$12,549
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,885
−HK$342/mo
Today · 4.125%
HK$13,227
baseline
▲ 0.50% · 4.625%
HK$13,924
+HK$697/mo
Deposit HK$275K · loan HK$2.47M · min. income ≈ HK$26,454/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).