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$6,327
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,523
−HK$200/mo
Today · 4.125%
HK$6,723
baseline
▲ 0.50% · 4.625%
HK$7,132
+HK$409/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,446/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,038
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,227
−HK$192/mo
Today · 4.125%
HK$7,419
baseline
▲ 0.50% · 4.625%
HK$7,810
+HK$391/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,838/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,592
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,828
−HK$240/mo
Today · 4.125%
HK$8,068
baseline
▲ 0.50% · 4.625%
HK$8,559
+HK$491/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,136/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,446
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,673
−HK$229/mo
Today · 4.125%
HK$8,902
baseline
▲ 0.50% · 4.625%
HK$9,372
+HK$470/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,804/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,857
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,133
−HK$280/mo
Today · 4.125%
HK$9,413
baseline
▲ 0.50% · 4.625%
HK$9,985
+HK$572/mo
Deposit HK$832K · loan HK$1.94M · min. income ≈ HK$18,826/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,854
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,118
−HK$268/mo
Today · 4.125%
HK$10,386
baseline
▲ 0.50% · 4.625%
HK$10,933
+HK$547/mo
Deposit HK$832K · loan HK$1.94M · min. income ≈ HK$20,772/mo (50% DSR)
Upfront cash ≈ HK$832K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,388
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,742
−HK$360/mo
Today · 4.125%
HK$12,102
baseline
▲ 0.50% · 4.625%
HK$12,838
+HK$736/mo
Deposit HK$277K · loan HK$2.50M · min. income ≈ HK$24,204/mo (50% DSR)
Upfront cash ≈ HK$278K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,669
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,009
−HK$344/mo
Today · 4.125%
HK$13,353
baseline
▲ 0.50% · 4.625%
HK$14,057
+HK$704/mo
Deposit HK$277K · loan HK$2.50M · min. income ≈ HK$26,706/mo (50% DSR)
Upfront cash ≈ HK$278K (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).