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$5,995
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,182
−HK$189/mo
Today · 4.125%
HK$6,371
baseline
▲ 0.50% · 4.625%
HK$6,759
+HK$388/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,742/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$6,669
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,848
−HK$182/mo
Today · 4.125%
HK$7,030
baseline
▲ 0.50% · 4.625%
HK$7,400
+HK$370/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,060/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$7,194
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,418
−HK$227/mo
Today · 4.125%
HK$7,645
baseline
▲ 0.50% · 4.625%
HK$8,110
+HK$465/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,290/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$8,003
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,218
−HK$218/mo
Today · 4.125%
HK$8,436
baseline
▲ 0.50% · 4.625%
HK$8,880
+HK$444/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,872/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$8,393
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,654
−HK$265/mo
Today · 4.125%
HK$8,919
baseline
▲ 0.50% · 4.625%
HK$9,462
+HK$543/mo
Deposit HK$789K · loan HK$1.84M · min. income ≈ HK$17,838/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,337
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,588
−HK$254/mo
Today · 4.125%
HK$9,842
baseline
▲ 0.50% · 4.625%
HK$10,360
+HK$518/mo
Deposit HK$789K · loan HK$1.84M · min. income ≈ HK$19,684/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,791
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,127
−HK$341/mo
Today · 4.125%
HK$11,468
baseline
▲ 0.50% · 4.625%
HK$12,166
+HK$698/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$22,936/mo (50% DSR)
Upfront cash ≈ HK$263K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,005
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,327
−HK$327/mo
Today · 4.125%
HK$12,654
baseline
▲ 0.50% · 4.625%
HK$13,321
+HK$667/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$25,308/mo (50% DSR)
Upfront cash ≈ HK$263K (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).