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$6,195
−HK$388/mo
▼ 0.25% · 3.875%
HK$6,388
−HK$195/mo
Today · 4.125%
HK$6,583
baseline
▲ 0.50% · 4.625%
HK$6,984
+HK$401/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$13,166/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,892
−HK$372/mo
▼ 0.25% · 3.875%
HK$7,077
−HK$187/mo
Today · 4.125%
HK$7,264
baseline
▲ 0.50% · 4.625%
HK$7,647
+HK$383/mo
Deposit HK$1.36M · loan HK$1.36M · min. income ≈ HK$14,528/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,434
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,665
−HK$235/mo
Today · 4.125%
HK$7,900
baseline
▲ 0.50% · 4.625%
HK$8,381
+HK$481/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$15,800/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,270
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,492
−HK$225/mo
Today · 4.125%
HK$8,717
baseline
▲ 0.50% · 4.625%
HK$9,176
+HK$459/mo
Deposit HK$1.09M · loan HK$1.63M · min. income ≈ HK$17,434/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,673
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,943
−HK$274/mo
Today · 4.125%
HK$9,217
baseline
▲ 0.50% · 4.625%
HK$9,778
+HK$561/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$18,434/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,648
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,907
−HK$263/mo
Today · 4.125%
HK$10,170
baseline
▲ 0.50% · 4.625%
HK$10,706
+HK$536/mo
Deposit HK$815K · loan HK$1.90M · min. income ≈ HK$20,340/mo (50% DSR)
Upfront cash ≈ HK$815K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,151
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,498
−HK$352/mo
Today · 4.125%
HK$11,850
baseline
▲ 0.50% · 4.625%
HK$12,571
+HK$721/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$23,700/mo (50% DSR)
Upfront cash ≈ HK$272K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,405
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,738
−HK$337/mo
Today · 4.125%
HK$13,075
baseline
▲ 0.50% · 4.625%
HK$13,765
+HK$690/mo
Deposit HK$272K · loan HK$2.45M · min. income ≈ HK$26,150/mo (50% DSR)
Upfront cash ≈ HK$272K (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).