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$5,958
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,144
−HK$188/mo
Today · 4.125%
HK$6,332
baseline
▲ 0.50% · 4.625%
HK$6,717
+HK$385/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,664/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,629
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,806
−HK$181/mo
Today · 4.125%
HK$6,987
baseline
▲ 0.50% · 4.625%
HK$7,355
+HK$368/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$13,974/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,150
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,372
−HK$226/mo
Today · 4.125%
HK$7,598
baseline
▲ 0.50% · 4.625%
HK$8,061
+HK$463/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,196/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,954
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,168
−HK$216/mo
Today · 4.125%
HK$8,384
baseline
▲ 0.50% · 4.625%
HK$8,826
+HK$442/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,768/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,342
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,601
−HK$264/mo
Today · 4.125%
HK$8,865
baseline
▲ 0.50% · 4.625%
HK$9,404
+HK$539/mo
Deposit HK$784K · loan HK$1.83M · min. income ≈ HK$17,730/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,280
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,529
−HK$252/mo
Today · 4.125%
HK$9,781
baseline
▲ 0.50% · 4.625%
HK$10,297
+HK$516/mo
Deposit HK$784K · loan HK$1.83M · min. income ≈ HK$19,562/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,725
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,058
−HK$339/mo
Today · 4.125%
HK$11,397
baseline
▲ 0.50% · 4.625%
HK$12,091
+HK$694/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$22,794/mo (50% DSR)
Upfront cash ≈ HK$261K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,931
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,251
−HK$325/mo
Today · 4.125%
HK$12,576
baseline
▲ 0.50% · 4.625%
HK$13,239
+HK$663/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$25,152/mo (50% DSR)
Upfront cash ≈ HK$261K (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).