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$5,847
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,028
−HK$185/mo
Today · 4.125%
HK$6,213
baseline
▲ 0.50% · 4.625%
HK$6,591
+HK$378/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,426/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,504
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,679
−HK$177/mo
Today · 4.125%
HK$6,856
baseline
▲ 0.50% · 4.625%
HK$7,217
+HK$361/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,712/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,016
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,234
−HK$222/mo
Today · 4.125%
HK$7,456
baseline
▲ 0.50% · 4.625%
HK$7,909
+HK$453/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,912/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,805
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,014
−HK$213/mo
Today · 4.125%
HK$8,227
baseline
▲ 0.50% · 4.625%
HK$8,660
+HK$433/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,454/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,185
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,440
−HK$258/mo
Today · 4.125%
HK$8,698
baseline
▲ 0.50% · 4.625%
HK$9,228
+HK$530/mo
Deposit HK$769K · loan HK$1.79M · min. income ≈ HK$17,396/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,106
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,350
−HK$248/mo
Today · 4.125%
HK$9,598
baseline
▲ 0.50% · 4.625%
HK$10,104
+HK$506/mo
Deposit HK$769K · loan HK$1.79M · min. income ≈ HK$19,196/mo (50% DSR)
Upfront cash ≈ HK$769K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,524
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,851
−HK$333/mo
Today · 4.125%
HK$11,184
baseline
▲ 0.50% · 4.625%
HK$11,864
+HK$680/mo
Deposit HK$256K · loan HK$2.31M · min. income ≈ HK$22,368/mo (50% DSR)
Upfront cash ≈ HK$256K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,708
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,022
−HK$318/mo
Today · 4.125%
HK$12,340
baseline
▲ 0.50% · 4.625%
HK$12,991
+HK$651/mo
Deposit HK$256K · loan HK$2.31M · min. income ≈ HK$24,680/mo (50% DSR)
Upfront cash ≈ HK$256K (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).