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$6,366
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,564
−HK$201/mo
Today · 4.125%
HK$6,765
baseline
▲ 0.50% · 4.625%
HK$7,177
+HK$412/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,530/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,082
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,272
−HK$193/mo
Today · 4.125%
HK$7,465
baseline
▲ 0.50% · 4.625%
HK$7,858
+HK$393/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,930/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,639
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,877
−HK$241/mo
Today · 4.125%
HK$8,118
baseline
▲ 0.50% · 4.625%
HK$8,612
+HK$494/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,236/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,498
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,726
−HK$232/mo
Today · 4.125%
HK$8,958
baseline
▲ 0.50% · 4.625%
HK$9,430
+HK$472/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,916/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,912
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,190
−HK$281/mo
Today · 4.125%
HK$9,471
baseline
▲ 0.50% · 4.625%
HK$10,048
+HK$577/mo
Deposit HK$838K · loan HK$1.95M · min. income ≈ HK$18,942/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,915
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,181
−HK$270/mo
Today · 4.125%
HK$10,451
baseline
▲ 0.50% · 4.625%
HK$11,001
+HK$550/mo
Deposit HK$838K · loan HK$1.95M · min. income ≈ HK$20,902/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,459
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,815
−HK$362/mo
Today · 4.125%
HK$12,177
baseline
▲ 0.50% · 4.625%
HK$12,918
+HK$741/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$24,354/mo (50% DSR)
Upfront cash ≈ HK$279K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,748
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,090
−HK$346/mo
Today · 4.125%
HK$13,436
baseline
▲ 0.50% · 4.625%
HK$14,145
+HK$709/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$26,872/mo (50% DSR)
Upfront cash ≈ HK$279K (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).