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$6,168
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,360
−HK$195/mo
Today · 4.125%
HK$6,555
baseline
▲ 0.50% · 4.625%
HK$6,954
+HK$399/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,110/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$6,862
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,046
−HK$187/mo
Today · 4.125%
HK$7,233
baseline
▲ 0.50% · 4.625%
HK$7,614
+HK$381/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,466/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$7,402
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,632
−HK$234/mo
Today · 4.125%
HK$7,866
baseline
▲ 0.50% · 4.625%
HK$8,344
+HK$478/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,732/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$8,234
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,455
−HK$224/mo
Today · 4.125%
HK$8,679
baseline
▲ 0.50% · 4.625%
HK$9,137
+HK$458/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,358/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$8,635
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,904
−HK$273/mo
Today · 4.125%
HK$9,177
baseline
▲ 0.50% · 4.625%
HK$9,735
+HK$558/mo
Deposit HK$811K · loan HK$1.89M · min. income ≈ HK$18,354/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$9,607
−HK$519/mo
▼ 0.25% · 3.875%
HK$9,864
−HK$262/mo
Today · 4.125%
HK$10,126
baseline
▲ 0.50% · 4.625%
HK$10,659
+HK$533/mo
Deposit HK$811K · loan HK$1.89M · min. income ≈ HK$20,252/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$11,103
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,448
−HK$351/mo
Today · 4.125%
HK$11,799
baseline
▲ 0.50% · 4.625%
HK$12,517
+HK$718/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$23,598/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$12,351
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,683
−HK$336/mo
Today · 4.125%
HK$13,019
baseline
▲ 0.50% · 4.625%
HK$13,705
+HK$686/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$26,038/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).