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$6,118
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,308
−HK$194/mo
Today · 4.125%
HK$6,502
baseline
▲ 0.50% · 4.625%
HK$6,897
+HK$395/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$13,004/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$6,806
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,989
−HK$185/mo
Today · 4.125%
HK$7,174
baseline
▲ 0.50% · 4.625%
HK$7,552
+HK$378/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,348/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$7,342
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,570
−HK$232/mo
Today · 4.125%
HK$7,802
baseline
▲ 0.50% · 4.625%
HK$8,277
+HK$475/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$15,604/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$8,167
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,386
−HK$223/mo
Today · 4.125%
HK$8,609
baseline
▲ 0.50% · 4.625%
HK$9,062
+HK$453/mo
Deposit HK$1.07M · loan HK$1.61M · min. income ≈ HK$17,218/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$8,565
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,832
−HK$270/mo
Today · 4.125%
HK$9,102
baseline
▲ 0.50% · 4.625%
HK$9,656
+HK$554/mo
Deposit HK$805K · loan HK$1.88M · min. income ≈ HK$18,204/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$9,529
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,784
−HK$259/mo
Today · 4.125%
HK$10,043
baseline
▲ 0.50% · 4.625%
HK$10,573
+HK$530/mo
Deposit HK$805K · loan HK$1.88M · min. income ≈ HK$20,086/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$11,012
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,355
−HK$348/mo
Today · 4.125%
HK$11,703
baseline
▲ 0.50% · 4.625%
HK$12,415
+HK$712/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$23,406/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$12,251
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,580
−HK$333/mo
Today · 4.125%
HK$12,913
baseline
▲ 0.50% · 4.625%
HK$13,594
+HK$681/mo
Deposit HK$268K · loan HK$2.41M · min. income ≈ HK$25,826/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).