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$5,918
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,102
−HK$187/mo
Today · 4.125%
HK$6,289
baseline
▲ 0.50% · 4.625%
HK$6,672
+HK$383/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,578/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,584
−HK$356/mo
▼ 0.25% · 3.875%
HK$6,761
−HK$179/mo
Today · 4.125%
HK$6,940
baseline
▲ 0.50% · 4.625%
HK$7,306
+HK$366/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,880/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,102
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,323
−HK$224/mo
Today · 4.125%
HK$7,547
baseline
▲ 0.50% · 4.625%
HK$8,007
+HK$460/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$15,094/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,901
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,113
−HK$215/mo
Today · 4.125%
HK$8,328
baseline
▲ 0.50% · 4.625%
HK$8,767
+HK$439/mo
Deposit HK$1.04M · loan HK$1.56M · min. income ≈ HK$16,656/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,286
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,543
−HK$262/mo
Today · 4.125%
HK$8,805
baseline
▲ 0.50% · 4.625%
HK$9,341
+HK$536/mo
Deposit HK$779K · loan HK$1.82M · min. income ≈ HK$17,610/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,218
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,465
−HK$251/mo
Today · 4.125%
HK$9,716
baseline
▲ 0.50% · 4.625%
HK$10,228
+HK$512/mo
Deposit HK$779K · loan HK$1.82M · min. income ≈ HK$19,432/mo (50% DSR)
Upfront cash ≈ HK$779K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,653
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,984
−HK$337/mo
Today · 4.125%
HK$11,321
baseline
▲ 0.50% · 4.625%
HK$12,010
+HK$689/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$22,642/mo (50% DSR)
Upfront cash ≈ HK$260K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,851
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,169
−HK$323/mo
Today · 4.125%
HK$12,492
baseline
▲ 0.50% · 4.625%
HK$13,150
+HK$658/mo
Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$24,984/mo (50% DSR)
Upfront cash ≈ HK$260K (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).