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$6,093
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,282
−HK$193/mo
Today · 4.125%
HK$6,475
baseline
▲ 0.50% · 4.625%
HK$6,869
+HK$394/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,950/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,778
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,960
−HK$184/mo
Today · 4.125%
HK$7,144
baseline
▲ 0.50% · 4.625%
HK$7,521
+HK$377/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,288/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,311
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,539
−HK$231/mo
Today · 4.125%
HK$7,770
baseline
▲ 0.50% · 4.625%
HK$8,242
+HK$472/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,540/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,134
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,352
−HK$221/mo
Today · 4.125%
HK$8,573
baseline
▲ 0.50% · 4.625%
HK$9,025
+HK$452/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,146/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,530
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,795
−HK$270/mo
Today · 4.125%
HK$9,065
baseline
▲ 0.50% · 4.625%
HK$9,616
+HK$551/mo
Deposit HK$802K · loan HK$1.87M · min. income ≈ HK$18,130/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,489
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,744
−HK$258/mo
Today · 4.125%
HK$10,002
baseline
▲ 0.50% · 4.625%
HK$10,529
+HK$527/mo
Deposit HK$802K · loan HK$1.87M · min. income ≈ HK$20,004/mo (50% DSR)
Upfront cash ≈ HK$802K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,967
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,308
−HK$346/mo
Today · 4.125%
HK$11,654
baseline
▲ 0.50% · 4.625%
HK$12,364
+HK$710/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$23,308/mo (50% DSR)
Upfront cash ≈ HK$267K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,200
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,528
−HK$332/mo
Today · 4.125%
HK$12,860
baseline
▲ 0.50% · 4.625%
HK$13,537
+HK$677/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$25,720/mo (50% DSR)
Upfront cash ≈ HK$267K (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).