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$6,301
−HK$396/mo
▼ 0.25% · 3.875%
HK$6,498
−HK$199/mo
Today · 4.125%
HK$6,697
baseline
▲ 0.50% · 4.625%
HK$7,104
+HK$407/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$13,394/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,010
−HK$379/mo
▼ 0.25% · 3.875%
HK$7,198
−HK$191/mo
Today · 4.125%
HK$7,389
baseline
▲ 0.50% · 4.625%
HK$7,779
+HK$390/mo
Deposit HK$1.38M · loan HK$1.38M · min. income ≈ HK$14,778/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,562
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,797
−HK$239/mo
Today · 4.125%
HK$8,036
baseline
▲ 0.50% · 4.625%
HK$8,525
+HK$489/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$16,072/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,412
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,638
−HK$229/mo
Today · 4.125%
HK$8,867
baseline
▲ 0.50% · 4.625%
HK$9,334
+HK$467/mo
Deposit HK$1.11M · loan HK$1.66M · min. income ≈ HK$17,734/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,822
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,097
−HK$278/mo
Today · 4.125%
HK$9,375
baseline
▲ 0.50% · 4.625%
HK$9,946
+HK$571/mo
Deposit HK$829K · loan HK$1.93M · min. income ≈ HK$18,750/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,814
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,078
−HK$267/mo
Today · 4.125%
HK$10,345
baseline
▲ 0.50% · 4.625%
HK$10,890
+HK$545/mo
Deposit HK$829K · loan HK$1.93M · min. income ≈ HK$20,690/mo (50% DSR)
Upfront cash ≈ HK$829K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,343
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,696
−HK$358/mo
Today · 4.125%
HK$12,054
baseline
▲ 0.50% · 4.625%
HK$12,787
+HK$733/mo
Deposit HK$276K · loan HK$2.49M · min. income ≈ HK$24,108/mo (50% DSR)
Upfront cash ≈ HK$276K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,619
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,957
−HK$343/mo
Today · 4.125%
HK$13,300
baseline
▲ 0.50% · 4.625%
HK$14,001
+HK$701/mo
Deposit HK$276K · loan HK$2.49M · min. income ≈ HK$26,600/mo (50% DSR)
Upfront cash ≈ HK$276K (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).