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$5,987
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,173
−HK$189/mo
Today · 4.125%
HK$6,362
baseline
▲ 0.50% · 4.625%
HK$6,749
+HK$387/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,724/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$6,660
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,839
−HK$181/mo
Today · 4.125%
HK$7,020
baseline
▲ 0.50% · 4.625%
HK$7,390
+HK$370/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,040/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$7,184
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,408
−HK$227/mo
Today · 4.125%
HK$7,635
baseline
▲ 0.50% · 4.625%
HK$8,099
+HK$464/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,270/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$7,992
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,207
−HK$217/mo
Today · 4.125%
HK$8,424
baseline
▲ 0.50% · 4.625%
HK$8,868
+HK$444/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,848/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$8,381
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,642
−HK$265/mo
Today · 4.125%
HK$8,907
baseline
▲ 0.50% · 4.625%
HK$9,449
+HK$542/mo
Deposit HK$788K · loan HK$1.84M · min. income ≈ HK$17,814/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,324
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,574
−HK$254/mo
Today · 4.125%
HK$9,828
baseline
▲ 0.50% · 4.625%
HK$10,346
+HK$518/mo
Deposit HK$788K · loan HK$1.84M · min. income ≈ HK$19,656/mo (50% DSR)
Upfront cash ≈ HK$788K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,776
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,111
−HK$341/mo
Today · 4.125%
HK$11,452
baseline
▲ 0.50% · 4.625%
HK$12,149
+HK$697/mo
Deposit HK$263K · loan HK$2.36M · min. income ≈ HK$22,904/mo (50% DSR)
Upfront cash ≈ HK$263K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,988
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,310
−HK$326/mo
Today · 4.125%
HK$12,636
baseline
▲ 0.50% · 4.625%
HK$13,302
+HK$666/mo
Deposit HK$263K · loan HK$2.36M · min. income ≈ HK$25,272/mo (50% DSR)
Upfront cash ≈ HK$263K (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).