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$6,255
−HK$392/mo
▼ 0.25% · 3.875%
HK$6,450
−HK$197/mo
Today · 4.125%
HK$6,647
baseline
▲ 0.50% · 4.625%
HK$7,052
+HK$405/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,294/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$6,959
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,145
−HK$190/mo
Today · 4.125%
HK$7,335
baseline
▲ 0.50% · 4.625%
HK$7,721
+HK$386/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,670/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$7,506
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,740
−HK$237/mo
Today · 4.125%
HK$7,977
baseline
▲ 0.50% · 4.625%
HK$8,462
+HK$485/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$15,954/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$8,350
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,574
−HK$228/mo
Today · 4.125%
HK$8,802
baseline
▲ 0.50% · 4.625%
HK$9,265
+HK$463/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,604/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$8,757
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,029
−HK$277/mo
Today · 4.125%
HK$9,306
baseline
▲ 0.50% · 4.625%
HK$9,872
+HK$566/mo
Deposit HK$823K · loan HK$1.92M · min. income ≈ HK$18,612/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,742
−HK$526/mo
▼ 0.25% · 3.875%
HK$10,003
−HK$265/mo
Today · 4.125%
HK$10,268
baseline
▲ 0.50% · 4.625%
HK$10,810
+HK$542/mo
Deposit HK$823K · loan HK$1.92M · min. income ≈ HK$20,536/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,259
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,609
−HK$356/mo
Today · 4.125%
HK$11,965
baseline
▲ 0.50% · 4.625%
HK$12,693
+HK$728/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$23,930/mo (50% DSR)
Upfront cash ≈ HK$274K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,526
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,862
−HK$340/mo
Today · 4.125%
HK$13,202
baseline
▲ 0.50% · 4.625%
HK$13,898
+HK$696/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$26,404/mo (50% DSR)
Upfront cash ≈ HK$274K (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).