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$5,857
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,039
−HK$185/mo
Today · 4.125%
HK$6,224
baseline
▲ 0.50% · 4.625%
HK$6,603
+HK$379/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$12,448/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,516
−HK$352/mo
▼ 0.25% · 3.875%
HK$6,690
−HK$178/mo
Today · 4.125%
HK$6,868
baseline
▲ 0.50% · 4.625%
HK$7,230
+HK$362/mo
Deposit HK$1.28M · loan HK$1.28M · min. income ≈ HK$13,736/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,028
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,247
−HK$222/mo
Today · 4.125%
HK$7,469
baseline
▲ 0.50% · 4.625%
HK$7,923
+HK$454/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$14,938/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,819
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,028
−HK$213/mo
Today · 4.125%
HK$8,241
baseline
▲ 0.50% · 4.625%
HK$8,675
+HK$434/mo
Deposit HK$1.03M · loan HK$1.54M · min. income ≈ HK$16,482/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,199
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,454
−HK$260/mo
Today · 4.125%
HK$8,714
baseline
▲ 0.50% · 4.625%
HK$9,244
+HK$530/mo
Deposit HK$771K · loan HK$1.80M · min. income ≈ HK$17,428/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,122
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,366
−HK$249/mo
Today · 4.125%
HK$9,615
baseline
▲ 0.50% · 4.625%
HK$10,121
+HK$506/mo
Deposit HK$771K · loan HK$1.80M · min. income ≈ HK$19,230/mo (50% DSR)
Upfront cash ≈ HK$771K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,542
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,870
−HK$333/mo
Today · 4.125%
HK$11,203
baseline
▲ 0.50% · 4.625%
HK$11,885
+HK$682/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$22,406/mo (50% DSR)
Upfront cash ≈ HK$257K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,728
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,042
−HK$320/mo
Today · 4.125%
HK$12,362
baseline
▲ 0.50% · 4.625%
HK$13,013
+HK$651/mo
Deposit HK$257K · loan HK$2.31M · min. income ≈ HK$24,724/mo (50% DSR)
Upfront cash ≈ HK$257K (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).