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$6,106
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,296
−HK$193/mo
Today · 4.125%
HK$6,489
baseline
▲ 0.50% · 4.625%
HK$6,883
+HK$394/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,978/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,793
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,975
−HK$184/mo
Today · 4.125%
HK$7,159
baseline
▲ 0.50% · 4.625%
HK$7,537
+HK$378/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,318/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,327
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,555
−HK$231/mo
Today · 4.125%
HK$7,786
baseline
▲ 0.50% · 4.625%
HK$8,260
+HK$474/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,572/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,151
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,370
−HK$221/mo
Today · 4.125%
HK$8,591
baseline
▲ 0.50% · 4.625%
HK$9,044
+HK$453/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,182/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,548
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,814
−HK$270/mo
Today · 4.125%
HK$9,084
baseline
▲ 0.50% · 4.625%
HK$9,637
+HK$553/mo
Deposit HK$803K · loan HK$1.87M · min. income ≈ HK$18,168/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,510
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,765
−HK$258/mo
Today · 4.125%
HK$10,023
baseline
▲ 0.50% · 4.625%
HK$10,552
+HK$529/mo
Deposit HK$803K · loan HK$1.87M · min. income ≈ HK$20,046/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,990
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,332
−HK$347/mo
Today · 4.125%
HK$11,679
baseline
▲ 0.50% · 4.625%
HK$12,390
+HK$711/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,358/mo (50% DSR)
Upfront cash ≈ HK$268K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,227
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,554
−HK$333/mo
Today · 4.125%
HK$12,887
baseline
▲ 0.50% · 4.625%
HK$13,566
+HK$679/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,774/mo (50% DSR)
Upfront cash ≈ HK$268K (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).