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$6,152
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,343
−HK$195/mo
Today · 4.125%
HK$6,538
baseline
▲ 0.50% · 4.625%
HK$6,936
+HK$398/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$13,076/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,844
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,028
−HK$186/mo
Today · 4.125%
HK$7,214
baseline
▲ 0.50% · 4.625%
HK$7,594
+HK$380/mo
Deposit HK$1.35M · loan HK$1.35M · min. income ≈ HK$14,428/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,383
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,612
−HK$234/mo
Today · 4.125%
HK$7,846
baseline
▲ 0.50% · 4.625%
HK$8,323
+HK$477/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$15,692/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,213
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,433
−HK$224/mo
Today · 4.125%
HK$8,657
baseline
▲ 0.50% · 4.625%
HK$9,113
+HK$456/mo
Deposit HK$1.08M · loan HK$1.62M · min. income ≈ HK$17,314/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,613
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,881
−HK$272/mo
Today · 4.125%
HK$9,153
baseline
▲ 0.50% · 4.625%
HK$9,710
+HK$557/mo
Deposit HK$809K · loan HK$1.89M · min. income ≈ HK$18,306/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,582
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,839
−HK$261/mo
Today · 4.125%
HK$10,100
baseline
▲ 0.50% · 4.625%
HK$10,632
+HK$532/mo
Deposit HK$809K · loan HK$1.89M · min. income ≈ HK$20,200/mo (50% DSR)
Upfront cash ≈ HK$810K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,074
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,418
−HK$350/mo
Today · 4.125%
HK$11,768
baseline
▲ 0.50% · 4.625%
HK$12,484
+HK$716/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$23,536/mo (50% DSR)
Upfront cash ≈ HK$270K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,320
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,650
−HK$335/mo
Today · 4.125%
HK$12,985
baseline
▲ 0.50% · 4.625%
HK$13,670
+HK$685/mo
Deposit HK$270K · loan HK$2.43M · min. income ≈ HK$25,970/mo (50% DSR)
Upfront cash ≈ HK$270K (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).