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$6,485
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,686
−HK$205/mo
Today · 4.125%
HK$6,891
baseline
▲ 0.50% · 4.625%
HK$7,311
+HK$420/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,782/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,214
−HK$390/mo
▼ 0.25% · 3.875%
HK$7,408
−HK$196/mo
Today · 4.125%
HK$7,604
baseline
▲ 0.50% · 4.625%
HK$8,005
+HK$401/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,208/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,782
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,024
−HK$246/mo
Today · 4.125%
HK$8,270
baseline
▲ 0.50% · 4.625%
HK$8,773
+HK$503/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,540/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,657
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,889
−HK$236/mo
Today · 4.125%
HK$9,125
baseline
▲ 0.50% · 4.625%
HK$9,606
+HK$481/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,250/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,079
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,361
−HK$287/mo
Today · 4.125%
HK$9,648
baseline
▲ 0.50% · 4.625%
HK$10,235
+HK$587/mo
Deposit HK$853K · loan HK$1.99M · min. income ≈ HK$19,296/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,100
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,371
−HK$274/mo
Today · 4.125%
HK$10,645
baseline
▲ 0.50% · 4.625%
HK$11,207
+HK$562/mo
Deposit HK$853K · loan HK$1.99M · min. income ≈ HK$21,290/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,672
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,036
−HK$368/mo
Today · 4.125%
HK$12,404
baseline
▲ 0.50% · 4.625%
HK$13,159
+HK$755/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$24,808/mo (50% DSR)
Upfront cash ≈ HK$284K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,985
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,334
−HK$353/mo
Today · 4.125%
HK$13,687
baseline
▲ 0.50% · 4.625%
HK$14,409
+HK$722/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$27,374/mo (50% DSR)
Upfront cash ≈ HK$284K (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).