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$5,852
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,034
−HK$185/mo
Today · 4.125%
HK$6,219
baseline
▲ 0.50% · 4.625%
HK$6,598
+HK$379/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,438/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,511
−HK$351/mo
▼ 0.25% · 3.875%
HK$6,685
−HK$177/mo
Today · 4.125%
HK$6,862
baseline
▲ 0.50% · 4.625%
HK$7,224
+HK$362/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,724/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,023
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,241
−HK$222/mo
Today · 4.125%
HK$7,463
baseline
▲ 0.50% · 4.625%
HK$7,917
+HK$454/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,926/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,813
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,022
−HK$213/mo
Today · 4.125%
HK$8,235
baseline
▲ 0.50% · 4.625%
HK$8,669
+HK$434/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,470/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,193
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,448
−HK$259/mo
Today · 4.125%
HK$8,707
baseline
▲ 0.50% · 4.625%
HK$9,237
+HK$530/mo
Deposit HK$770K · loan HK$1.80M · min. income ≈ HK$17,414/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,115
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,359
−HK$248/mo
Today · 4.125%
HK$9,607
baseline
▲ 0.50% · 4.625%
HK$10,114
+HK$507/mo
Deposit HK$770K · loan HK$1.80M · min. income ≈ HK$19,214/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,534
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,862
−HK$333/mo
Today · 4.125%
HK$11,195
baseline
▲ 0.50% · 4.625%
HK$11,876
+HK$681/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$22,390/mo (50% DSR)
Upfront cash ≈ HK$257K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,719
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,033
−HK$319/mo
Today · 4.125%
HK$12,352
baseline
▲ 0.50% · 4.625%
HK$13,003
+HK$651/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$24,704/mo (50% DSR)
Upfront cash ≈ HK$257K (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).