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$6,022
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,210
−HK$190/mo
Today · 4.125%
HK$6,400
baseline
▲ 0.50% · 4.625%
HK$6,789
+HK$389/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,800/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,700
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,879
−HK$183/mo
Today · 4.125%
HK$7,062
baseline
▲ 0.50% · 4.625%
HK$7,434
+HK$372/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,124/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,227
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,452
−HK$228/mo
Today · 4.125%
HK$7,680
baseline
▲ 0.50% · 4.625%
HK$8,147
+HK$467/mo
Deposit HK$1.06M · loan HK$1.58M · min. income ≈ HK$15,360/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,040
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,255
−HK$219/mo
Today · 4.125%
HK$8,474
baseline
▲ 0.50% · 4.625%
HK$8,921
+HK$447/mo
Deposit HK$1.06M · loan HK$1.58M · min. income ≈ HK$16,948/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,431
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,694
−HK$266/mo
Today · 4.125%
HK$8,960
baseline
▲ 0.50% · 4.625%
HK$9,505
+HK$545/mo
Deposit HK$792K · loan HK$1.85M · min. income ≈ HK$17,920/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,380
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,631
−HK$255/mo
Today · 4.125%
HK$9,886
baseline
▲ 0.50% · 4.625%
HK$10,408
+HK$522/mo
Deposit HK$792K · loan HK$1.85M · min. income ≈ HK$19,772/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,840
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,177
−HK$343/mo
Today · 4.125%
HK$11,520
baseline
▲ 0.50% · 4.625%
HK$12,221
+HK$701/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$23,040/mo (50% DSR)
Upfront cash ≈ HK$264K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,060
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,383
−HK$328/mo
Today · 4.125%
HK$12,711
baseline
▲ 0.50% · 4.625%
HK$13,381
+HK$670/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$25,422/mo (50% DSR)
Upfront cash ≈ HK$264K (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).