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$6,219
−HK$390/mo
▼ 0.25% · 3.875%
HK$6,412
−HK$197/mo
Today · 4.125%
HK$6,609
baseline
▲ 0.50% · 4.625%
HK$7,011
+HK$402/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,218/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$6,918
−HK$374/mo
▼ 0.25% · 3.875%
HK$7,104
−HK$188/mo
Today · 4.125%
HK$7,292
baseline
▲ 0.50% · 4.625%
HK$7,676
+HK$384/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,584/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$7,462
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,694
−HK$236/mo
Today · 4.125%
HK$7,930
baseline
▲ 0.50% · 4.625%
HK$8,413
+HK$483/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$15,860/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$8,302
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,524
−HK$226/mo
Today · 4.125%
HK$8,750
baseline
▲ 0.50% · 4.625%
HK$9,212
+HK$462/mo
Deposit HK$1.09M · loan HK$1.64M · min. income ≈ HK$17,500/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$8,706
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,977
−HK$275/mo
Today · 4.125%
HK$9,252
baseline
▲ 0.50% · 4.625%
HK$9,815
+HK$563/mo
Deposit HK$818K · loan HK$1.91M · min. income ≈ HK$18,504/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,685
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,945
−HK$264/mo
Today · 4.125%
HK$10,209
baseline
▲ 0.50% · 4.625%
HK$10,747
+HK$538/mo
Deposit HK$818K · loan HK$1.91M · min. income ≈ HK$20,418/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,194
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,542
−HK$353/mo
Today · 4.125%
HK$11,895
baseline
▲ 0.50% · 4.625%
HK$12,619
+HK$724/mo
Deposit HK$273K · loan HK$2.45M · min. income ≈ HK$23,790/mo (50% DSR)
Upfront cash ≈ HK$273K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,453
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,787
−HK$338/mo
Today · 4.125%
HK$13,125
baseline
▲ 0.50% · 4.625%
HK$13,817
+HK$692/mo
Deposit HK$273K · loan HK$2.45M · min. income ≈ HK$26,250/mo (50% DSR)
Upfront cash ≈ HK$273K (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).