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$6,258
−HK$393/mo
▼ 0.25% · 3.875%
HK$6,453
−HK$198/mo
Today · 4.125%
HK$6,651
baseline
▲ 0.50% · 4.625%
HK$7,056
+HK$405/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,302/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,962
−HK$377/mo
▼ 0.25% · 3.875%
HK$7,149
−HK$190/mo
Today · 4.125%
HK$7,339
baseline
▲ 0.50% · 4.625%
HK$7,725
+HK$386/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,678/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,510
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,744
−HK$237/mo
Today · 4.125%
HK$7,981
baseline
▲ 0.50% · 4.625%
HK$8,467
+HK$486/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$15,962/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,355
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,579
−HK$227/mo
Today · 4.125%
HK$8,806
baseline
▲ 0.50% · 4.625%
HK$9,271
+HK$465/mo
Deposit HK$1.10M · loan HK$1.65M · min. income ≈ HK$17,612/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,762
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,034
−HK$277/mo
Today · 4.125%
HK$9,311
baseline
▲ 0.50% · 4.625%
HK$9,878
+HK$567/mo
Deposit HK$823K · loan HK$1.92M · min. income ≈ HK$18,622/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,747
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,009
−HK$265/mo
Today · 4.125%
HK$10,274
baseline
▲ 0.50% · 4.625%
HK$10,816
+HK$542/mo
Deposit HK$823K · loan HK$1.92M · min. income ≈ HK$20,548/mo (50% DSR)
Upfront cash ≈ HK$823K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,265
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,616
−HK$356/mo
Today · 4.125%
HK$11,972
baseline
▲ 0.50% · 4.625%
HK$12,700
+HK$728/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$23,944/mo (50% DSR)
Upfront cash ≈ HK$275K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,532
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,869
−HK$340/mo
Today · 4.125%
HK$13,209
baseline
▲ 0.50% · 4.625%
HK$13,906
+HK$697/mo
Deposit HK$274K · loan HK$2.47M · min. income ≈ HK$26,418/mo (50% DSR)
Upfront cash ≈ HK$275K (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).