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$6,061
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,250
−HK$191/mo
Today · 4.125%
HK$6,441
baseline
▲ 0.50% · 4.625%
HK$6,833
+HK$392/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,882/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,743
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,924
−HK$183/mo
Today · 4.125%
HK$7,107
baseline
▲ 0.50% · 4.625%
HK$7,482
+HK$375/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,214/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,273
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,499
−HK$230/mo
Today · 4.125%
HK$7,729
baseline
▲ 0.50% · 4.625%
HK$8,200
+HK$471/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,458/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,091
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,308
−HK$221/mo
Today · 4.125%
HK$8,529
baseline
▲ 0.50% · 4.625%
HK$8,978
+HK$449/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,058/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,485
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,749
−HK$269/mo
Today · 4.125%
HK$9,018
baseline
▲ 0.50% · 4.625%
HK$9,566
+HK$548/mo
Deposit HK$797K · loan HK$1.86M · min. income ≈ HK$18,036/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,440
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,693
−HK$257/mo
Today · 4.125%
HK$9,950
baseline
▲ 0.50% · 4.625%
HK$10,474
+HK$524/mo
Deposit HK$797K · loan HK$1.86M · min. income ≈ HK$19,900/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,910
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,249
−HK$345/mo
Today · 4.125%
HK$11,594
baseline
▲ 0.50% · 4.625%
HK$12,299
+HK$705/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$23,188/mo (50% DSR)
Upfront cash ≈ HK$266K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,137
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,463
−HK$330/mo
Today · 4.125%
HK$12,793
baseline
▲ 0.50% · 4.625%
HK$13,467
+HK$674/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$25,586/mo (50% DSR)
Upfront cash ≈ HK$266K (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).