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$6,024
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,211
−HK$190/mo
Today · 4.125%
HK$6,401
baseline
▲ 0.50% · 4.625%
HK$6,791
+HK$390/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,802/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,701
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,881
−HK$182/mo
Today · 4.125%
HK$7,063
baseline
▲ 0.50% · 4.625%
HK$7,436
+HK$373/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,126/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,228
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,453
−HK$229/mo
Today · 4.125%
HK$7,682
baseline
▲ 0.50% · 4.625%
HK$8,149
+HK$467/mo
Deposit HK$1.06M · loan HK$1.58M · min. income ≈ HK$15,364/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,042
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,257
−HK$219/mo
Today · 4.125%
HK$8,476
baseline
▲ 0.50% · 4.625%
HK$8,923
+HK$447/mo
Deposit HK$1.06M · loan HK$1.58M · min. income ≈ HK$16,952/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,433
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,695
−HK$267/mo
Today · 4.125%
HK$8,962
baseline
▲ 0.50% · 4.625%
HK$9,507
+HK$545/mo
Deposit HK$792K · loan HK$1.85M · min. income ≈ HK$17,924/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,382
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,633
−HK$256/mo
Today · 4.125%
HK$9,889
baseline
▲ 0.50% · 4.625%
HK$10,410
+HK$521/mo
Deposit HK$792K · loan HK$1.85M · min. income ≈ HK$19,778/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,843
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,180
−HK$343/mo
Today · 4.125%
HK$11,523
baseline
▲ 0.50% · 4.625%
HK$12,224
+HK$701/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$23,046/mo (50% DSR)
Upfront cash ≈ HK$264K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,062
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,386
−HK$328/mo
Today · 4.125%
HK$12,714
baseline
▲ 0.50% · 4.625%
HK$13,384
+HK$670/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$25,428/mo (50% DSR)
Upfront cash ≈ HK$264K (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).