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$6,056
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,245
−HK$191/mo
Today · 4.125%
HK$6,436
baseline
▲ 0.50% · 4.625%
HK$6,828
+HK$392/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,872/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,738
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,918
−HK$184/mo
Today · 4.125%
HK$7,102
baseline
▲ 0.50% · 4.625%
HK$7,476
+HK$374/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,204/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,268
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,494
−HK$229/mo
Today · 4.125%
HK$7,723
baseline
▲ 0.50% · 4.625%
HK$8,193
+HK$470/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,446/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$8,085
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,302
−HK$220/mo
Today · 4.125%
HK$8,522
baseline
▲ 0.50% · 4.625%
HK$8,971
+HK$449/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,044/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$8,479
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,743
−HK$267/mo
Today · 4.125%
HK$9,010
baseline
▲ 0.50% · 4.625%
HK$9,559
+HK$549/mo
Deposit HK$797K · loan HK$1.86M · min. income ≈ HK$18,020/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,433
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,686
−HK$256/mo
Today · 4.125%
HK$9,942
baseline
▲ 0.50% · 4.625%
HK$10,466
+HK$524/mo
Deposit HK$797K · loan HK$1.86M · min. income ≈ HK$19,884/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,901
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,240
−HK$345/mo
Today · 4.125%
HK$11,585
baseline
▲ 0.50% · 4.625%
HK$12,290
+HK$705/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$23,170/mo (50% DSR)
Upfront cash ≈ HK$266K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,128
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,453
−HK$330/mo
Today · 4.125%
HK$12,783
baseline
▲ 0.50% · 4.625%
HK$13,457
+HK$674/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$25,566/mo (50% DSR)
Upfront cash ≈ HK$266K (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).