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$6,191
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,383
−HK$196/mo
Today · 4.125%
HK$6,579
baseline
▲ 0.50% · 4.625%
HK$6,979
+HK$400/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,158/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,887
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,072
−HK$187/mo
Today · 4.125%
HK$7,259
baseline
▲ 0.50% · 4.625%
HK$7,642
+HK$383/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,518/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,429
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,660
−HK$235/mo
Today · 4.125%
HK$7,895
baseline
▲ 0.50% · 4.625%
HK$8,375
+HK$480/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,790/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,265
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,486
−HK$225/mo
Today · 4.125%
HK$8,711
baseline
▲ 0.50% · 4.625%
HK$9,171
+HK$460/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,422/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,667
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,937
−HK$274/mo
Today · 4.125%
HK$9,211
baseline
▲ 0.50% · 4.625%
HK$9,771
+HK$560/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$18,422/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,642
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,901
−HK$262/mo
Today · 4.125%
HK$10,163
baseline
▲ 0.50% · 4.625%
HK$10,699
+HK$536/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$20,326/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,144
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,490
−HK$352/mo
Today · 4.125%
HK$11,842
baseline
▲ 0.50% · 4.625%
HK$12,563
+HK$721/mo
Deposit HK$272K · loan HK$2.44M · min. income ≈ HK$23,684/mo (50% DSR)
Upfront cash ≈ HK$272K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,397
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,730
−HK$337/mo
Today · 4.125%
HK$13,067
baseline
▲ 0.50% · 4.625%
HK$13,756
+HK$689/mo
Deposit HK$272K · loan HK$2.44M · min. income ≈ HK$26,134/mo (50% DSR)
Upfront cash ≈ HK$272K (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).