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$5,726
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,905
−HK$181/mo
Today · 4.125%
HK$6,086
baseline
▲ 0.50% · 4.625%
HK$6,456
+HK$370/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$12,172/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,371
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,541
−HK$174/mo
Today · 4.125%
HK$6,715
baseline
▲ 0.50% · 4.625%
HK$7,069
+HK$354/mo
Deposit HK$1.26M · loan HK$1.26M · min. income ≈ HK$13,430/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,872
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,085
−HK$218/mo
Today · 4.125%
HK$7,303
baseline
▲ 0.50% · 4.625%
HK$7,747
+HK$444/mo
Deposit HK$1.00M · loan HK$1.51M · min. income ≈ HK$14,606/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,645
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,850
−HK$208/mo
Today · 4.125%
HK$8,058
baseline
▲ 0.50% · 4.625%
HK$8,482
+HK$424/mo
Deposit HK$1.00M · loan HK$1.51M · min. income ≈ HK$16,116/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,017
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,266
−HK$254/mo
Today · 4.125%
HK$8,520
baseline
▲ 0.50% · 4.625%
HK$9,038
+HK$518/mo
Deposit HK$753K · loan HK$1.76M · min. income ≈ HK$17,040/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,919
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,158
−HK$243/mo
Today · 4.125%
HK$9,401
baseline
▲ 0.50% · 4.625%
HK$9,896
+HK$495/mo
Deposit HK$753K · loan HK$1.76M · min. income ≈ HK$18,802/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,308
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,628
−HK$326/mo
Today · 4.125%
HK$10,954
baseline
▲ 0.50% · 4.625%
HK$11,620
+HK$666/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$21,908/mo (50% DSR)
Upfront cash ≈ HK$251K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,467
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,775
−HK$312/mo
Today · 4.125%
HK$12,087
baseline
▲ 0.50% · 4.625%
HK$12,724
+HK$637/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$24,174/mo (50% DSR)
Upfront cash ≈ HK$251K (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).