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$5,896
−HK$370/mo
▼ 0.25% · 3.875%
HK$6,080
−HK$186/mo
Today · 4.125%
HK$6,266
baseline
▲ 0.50% · 4.625%
HK$6,647
+HK$381/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,532/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,559
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,735
−HK$179/mo
Today · 4.125%
HK$6,914
baseline
▲ 0.50% · 4.625%
HK$7,278
+HK$364/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,828/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,075
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,295
−HK$224/mo
Today · 4.125%
HK$7,519
baseline
▲ 0.50% · 4.625%
HK$7,977
+HK$458/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$15,038/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$7,871
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,082
−HK$215/mo
Today · 4.125%
HK$8,297
baseline
▲ 0.50% · 4.625%
HK$8,734
+HK$437/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,594/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$8,255
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,511
−HK$261/mo
Today · 4.125%
HK$8,772
baseline
▲ 0.50% · 4.625%
HK$9,306
+HK$534/mo
Deposit HK$776K · loan HK$1.81M · min. income ≈ HK$17,544/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,183
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,429
−HK$250/mo
Today · 4.125%
HK$9,679
baseline
▲ 0.50% · 4.625%
HK$10,189
+HK$510/mo
Deposit HK$776K · loan HK$1.81M · min. income ≈ HK$19,358/mo (50% DSR)
Upfront cash ≈ HK$776K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,613
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,943
−HK$336/mo
Today · 4.125%
HK$11,279
baseline
▲ 0.50% · 4.625%
HK$11,965
+HK$686/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$22,558/mo (50% DSR)
Upfront cash ≈ HK$259K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,807
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,124
−HK$321/mo
Today · 4.125%
HK$12,445
baseline
▲ 0.50% · 4.625%
HK$13,101
+HK$656/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$24,890/mo (50% DSR)
Upfront cash ≈ HK$259K (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).