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$6,492
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,694
−HK$206/mo
Today · 4.125%
HK$6,900
baseline
▲ 0.50% · 4.625%
HK$7,319
+HK$419/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,800/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,223
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,416
−HK$197/mo
Today · 4.125%
HK$7,613
baseline
▲ 0.50% · 4.625%
HK$8,014
+HK$401/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,226/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,791
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,033
−HK$246/mo
Today · 4.125%
HK$8,279
baseline
▲ 0.50% · 4.625%
HK$8,783
+HK$504/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,558/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,667
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,900
−HK$236/mo
Today · 4.125%
HK$9,136
baseline
▲ 0.50% · 4.625%
HK$9,617
+HK$481/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,272/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,089
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,372
−HK$287/mo
Today · 4.125%
HK$9,659
baseline
▲ 0.50% · 4.625%
HK$10,247
+HK$588/mo
Deposit HK$854K · loan HK$1.99M · min. income ≈ HK$19,318/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,112
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,383
−HK$275/mo
Today · 4.125%
HK$10,658
baseline
▲ 0.50% · 4.625%
HK$11,220
+HK$562/mo
Deposit HK$854K · loan HK$1.99M · min. income ≈ HK$21,316/mo (50% DSR)
Upfront cash ≈ HK$854K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,686
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,050
−HK$369/mo
Today · 4.125%
HK$12,419
baseline
▲ 0.50% · 4.625%
HK$13,175
+HK$756/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$24,838/mo (50% DSR)
Upfront cash ≈ HK$285K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,001
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,350
−HK$353/mo
Today · 4.125%
HK$13,703
baseline
▲ 0.50% · 4.625%
HK$14,426
+HK$723/mo
Deposit HK$285K · loan HK$2.56M · min. income ≈ HK$27,406/mo (50% DSR)
Upfront cash ≈ HK$285K (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).