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$5,972
−HK$375/mo
▼ 0.25% · 3.875%
HK$6,158
−HK$189/mo
Today · 4.125%
HK$6,347
baseline
▲ 0.50% · 4.625%
HK$6,733
+HK$386/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,694/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$6,644
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,822
−HK$181/mo
Today · 4.125%
HK$7,003
baseline
▲ 0.50% · 4.625%
HK$7,372
+HK$369/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$14,006/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$7,167
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,390
−HK$226/mo
Today · 4.125%
HK$7,616
baseline
▲ 0.50% · 4.625%
HK$8,080
+HK$464/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,232/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$7,973
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,187
−HK$217/mo
Today · 4.125%
HK$8,404
baseline
▲ 0.50% · 4.625%
HK$8,847
+HK$443/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,808/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$8,361
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,621
−HK$265/mo
Today · 4.125%
HK$8,886
baseline
▲ 0.50% · 4.625%
HK$9,426
+HK$540/mo
Deposit HK$786K · loan HK$1.83M · min. income ≈ HK$17,772/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$9,302
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,551
−HK$253/mo
Today · 4.125%
HK$9,804
baseline
▲ 0.50% · 4.625%
HK$10,321
+HK$517/mo
Deposit HK$786K · loan HK$1.83M · min. income ≈ HK$19,608/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$10,750
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,085
−HK$339/mo
Today · 4.125%
HK$11,424
baseline
▲ 0.50% · 4.625%
HK$12,119
+HK$695/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$22,848/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$11,959
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,280
−HK$326/mo
Today · 4.125%
HK$12,606
baseline
▲ 0.50% · 4.625%
HK$13,270
+HK$664/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$25,212/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).