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$6,100
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,289
−HK$193/mo
Today · 4.125%
HK$6,482
baseline
▲ 0.50% · 4.625%
HK$6,877
+HK$395/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,964/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$6,786
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,968
−HK$185/mo
Today · 4.125%
HK$7,153
baseline
▲ 0.50% · 4.625%
HK$7,530
+HK$377/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,306/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$7,320
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,547
−HK$232/mo
Today · 4.125%
HK$7,779
baseline
▲ 0.50% · 4.625%
HK$8,252
+HK$473/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,558/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$8,143
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,361
−HK$222/mo
Today · 4.125%
HK$8,583
baseline
▲ 0.50% · 4.625%
HK$9,035
+HK$452/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,166/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$8,540
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,805
−HK$270/mo
Today · 4.125%
HK$9,075
baseline
▲ 0.50% · 4.625%
HK$9,627
+HK$552/mo
Deposit HK$803K · loan HK$1.87M · min. income ≈ HK$18,150/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,500
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,755
−HK$259/mo
Today · 4.125%
HK$10,014
baseline
▲ 0.50% · 4.625%
HK$10,541
+HK$527/mo
Deposit HK$803K · loan HK$1.87M · min. income ≈ HK$20,028/mo (50% DSR)
Upfront cash ≈ HK$803K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,980
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,321
−HK$347/mo
Today · 4.125%
HK$11,668
baseline
▲ 0.50% · 4.625%
HK$12,378
+HK$710/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,336/mo (50% DSR)
Upfront cash ≈ HK$268K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,215
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,542
−HK$333/mo
Today · 4.125%
HK$12,875
baseline
▲ 0.50% · 4.625%
HK$13,553
+HK$678/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,750/mo (50% DSR)
Upfront cash ≈ HK$268K (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).