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$6,244
−HK$391/mo
▼ 0.25% · 3.875%
HK$6,438
−HK$197/mo
Today · 4.125%
HK$6,635
baseline
▲ 0.50% · 4.625%
HK$7,039
+HK$404/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$13,270/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,946
−HK$376/mo
▼ 0.25% · 3.875%
HK$7,133
−HK$189/mo
Today · 4.125%
HK$7,322
baseline
▲ 0.50% · 4.625%
HK$7,707
+HK$385/mo
Deposit HK$1.37M · loan HK$1.37M · min. income ≈ HK$14,644/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,493
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,726
−HK$237/mo
Today · 4.125%
HK$7,963
baseline
▲ 0.50% · 4.625%
HK$8,447
+HK$484/mo
Deposit HK$1.10M · loan HK$1.64M · min. income ≈ HK$15,926/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,336
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,559
−HK$227/mo
Today · 4.125%
HK$8,786
baseline
▲ 0.50% · 4.625%
HK$9,249
+HK$463/mo
Deposit HK$1.10M · loan HK$1.64M · min. income ≈ HK$17,572/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,741
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,013
−HK$277/mo
Today · 4.125%
HK$9,290
baseline
▲ 0.50% · 4.625%
HK$9,855
+HK$565/mo
Deposit HK$821K · loan HK$1.92M · min. income ≈ HK$18,580/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,725
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,986
−HK$264/mo
Today · 4.125%
HK$10,250
baseline
▲ 0.50% · 4.625%
HK$10,790
+HK$540/mo
Deposit HK$821K · loan HK$1.92M · min. income ≈ HK$20,500/mo (50% DSR)
Upfront cash ≈ HK$822K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,239
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,589
−HK$355/mo
Today · 4.125%
HK$11,944
baseline
▲ 0.50% · 4.625%
HK$12,671
+HK$727/mo
Deposit HK$274K · loan HK$2.46M · min. income ≈ HK$23,888/mo (50% DSR)
Upfront cash ≈ HK$274K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,503
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,839
−HK$340/mo
Today · 4.125%
HK$13,179
baseline
▲ 0.50% · 4.625%
HK$13,873
+HK$694/mo
Deposit HK$274K · loan HK$2.46M · min. income ≈ HK$26,358/mo (50% DSR)
Upfront cash ≈ HK$274K (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).