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$5,973
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,159
−HK$189/mo
Today · 4.125%
HK$6,348
baseline
▲ 0.50% · 4.625%
HK$6,734
+HK$386/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,696/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$6,645
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,824
−HK$180/mo
Today · 4.125%
HK$7,004
baseline
▲ 0.50% · 4.625%
HK$7,374
+HK$370/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,008/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$7,168
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,391
−HK$227/mo
Today · 4.125%
HK$7,618
baseline
▲ 0.50% · 4.625%
HK$8,081
+HK$463/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,236/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$7,975
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,188
−HK$217/mo
Today · 4.125%
HK$8,405
baseline
▲ 0.50% · 4.625%
HK$8,848
+HK$443/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,810/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$8,363
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,623
−HK$264/mo
Today · 4.125%
HK$8,887
baseline
▲ 0.50% · 4.625%
HK$9,428
+HK$541/mo
Deposit HK$786K · loan HK$1.83M · min. income ≈ HK$17,774/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,304
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,553
−HK$253/mo
Today · 4.125%
HK$9,806
baseline
▲ 0.50% · 4.625%
HK$10,323
+HK$517/mo
Deposit HK$786K · loan HK$1.83M · min. income ≈ HK$19,612/mo (50% DSR)
Upfront cash ≈ HK$786K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,752
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,087
−HK$340/mo
Today · 4.125%
HK$11,427
baseline
▲ 0.50% · 4.625%
HK$12,122
+HK$695/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$22,854/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$11,962
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,283
−HK$325/mo
Today · 4.125%
HK$12,608
baseline
▲ 0.50% · 4.625%
HK$13,273
+HK$665/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$25,216/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).