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$6,121
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,312
−HK$193/mo
Today · 4.125%
HK$6,505
baseline
▲ 0.50% · 4.625%
HK$6,901
+HK$396/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$13,010/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,810
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,993
−HK$185/mo
Today · 4.125%
HK$7,178
baseline
▲ 0.50% · 4.625%
HK$7,556
+HK$378/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,356/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,346
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,574
−HK$232/mo
Today · 4.125%
HK$7,806
baseline
▲ 0.50% · 4.625%
HK$8,281
+HK$475/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,612/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,172
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,391
−HK$222/mo
Today · 4.125%
HK$8,613
baseline
▲ 0.50% · 4.625%
HK$9,068
+HK$455/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,226/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,570
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,837
−HK$270/mo
Today · 4.125%
HK$9,107
baseline
▲ 0.50% · 4.625%
HK$9,662
+HK$555/mo
Deposit HK$805K · loan HK$1.88M · min. income ≈ HK$18,214/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,534
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,790
−HK$259/mo
Today · 4.125%
HK$10,049
baseline
▲ 0.50% · 4.625%
HK$10,579
+HK$530/mo
Deposit HK$805K · loan HK$1.88M · min. income ≈ HK$20,098/mo (50% DSR)
Upfront cash ≈ HK$805K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,019
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,361
−HK$348/mo
Today · 4.125%
HK$11,709
baseline
▲ 0.50% · 4.625%
HK$12,422
+HK$713/mo
Deposit HK$268K · loan HK$2.42M · min. income ≈ HK$23,418/mo (50% DSR)
Upfront cash ≈ HK$269K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,258
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,587
−HK$333/mo
Today · 4.125%
HK$12,920
baseline
▲ 0.50% · 4.625%
HK$13,601
+HK$681/mo
Deposit HK$268K · loan HK$2.42M · min. income ≈ HK$25,840/mo (50% DSR)
Upfront cash ≈ HK$269K (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).