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$5,980
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,166
−HK$189/mo
Today · 4.125%
HK$6,355
baseline
▲ 0.50% · 4.625%
HK$6,742
+HK$387/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,710/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$6,653
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,831
−HK$181/mo
Today · 4.125%
HK$7,012
baseline
▲ 0.50% · 4.625%
HK$7,382
+HK$370/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,024/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$7,176
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,399
−HK$227/mo
Today · 4.125%
HK$7,626
baseline
▲ 0.50% · 4.625%
HK$8,090
+HK$464/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,252/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$7,983
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,197
−HK$217/mo
Today · 4.125%
HK$8,414
baseline
▲ 0.50% · 4.625%
HK$8,858
+HK$444/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,828/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$8,372
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,632
−HK$265/mo
Today · 4.125%
HK$8,897
baseline
▲ 0.50% · 4.625%
HK$9,438
+HK$541/mo
Deposit HK$787K · loan HK$1.84M · min. income ≈ HK$17,794/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,314
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,563
−HK$254/mo
Today · 4.125%
HK$9,817
baseline
▲ 0.50% · 4.625%
HK$10,334
+HK$517/mo
Deposit HK$787K · loan HK$1.84M · min. income ≈ HK$19,634/mo (50% DSR)
Upfront cash ≈ HK$787K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,764
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,099
−HK$340/mo
Today · 4.125%
HK$11,439
baseline
▲ 0.50% · 4.625%
HK$12,135
+HK$696/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$22,878/mo (50% DSR)
Upfront cash ≈ HK$262K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,975
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,296
−HK$326/mo
Today · 4.125%
HK$12,622
baseline
▲ 0.50% · 4.625%
HK$13,287
+HK$665/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$25,244/mo (50% DSR)
Upfront cash ≈ HK$262K (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).