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$5,968
−HK$374/mo
▼ 0.25% · 3.875%
HK$6,154
−HK$188/mo
Today · 4.125%
HK$6,342
baseline
▲ 0.50% · 4.625%
HK$6,728
+HK$386/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,684/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,639
−HK$359/mo
▼ 0.25% · 3.875%
HK$6,818
−HK$180/mo
Today · 4.125%
HK$6,998
baseline
▲ 0.50% · 4.625%
HK$7,367
+HK$369/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$13,996/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,162
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,384
−HK$227/mo
Today · 4.125%
HK$7,611
baseline
▲ 0.50% · 4.625%
HK$8,074
+HK$463/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,222/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,967
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,181
−HK$217/mo
Today · 4.125%
HK$8,398
baseline
▲ 0.50% · 4.625%
HK$8,840
+HK$442/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,796/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,355
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,615
−HK$264/mo
Today · 4.125%
HK$8,879
baseline
▲ 0.50% · 4.625%
HK$9,420
+HK$541/mo
Deposit HK$785K · loan HK$1.83M · min. income ≈ HK$17,758/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,295
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,545
−HK$252/mo
Today · 4.125%
HK$9,797
baseline
▲ 0.50% · 4.625%
HK$10,314
+HK$517/mo
Deposit HK$785K · loan HK$1.83M · min. income ≈ HK$19,594/mo (50% DSR)
Upfront cash ≈ HK$785K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,743
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,077
−HK$339/mo
Today · 4.125%
HK$11,416
baseline
▲ 0.50% · 4.625%
HK$12,111
+HK$695/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$22,832/mo (50% DSR)
Upfront cash ≈ HK$262K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,951
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,272
−HK$325/mo
Today · 4.125%
HK$12,597
baseline
▲ 0.50% · 4.625%
HK$13,261
+HK$664/mo
Deposit HK$262K · loan HK$2.36M · min. income ≈ HK$25,194/mo (50% DSR)
Upfront cash ≈ HK$262K (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).