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$6,480
−HK$406/mo
▼ 0.25% · 3.875%
HK$6,682
−HK$204/mo
Today · 4.125%
HK$6,886
baseline
▲ 0.50% · 4.625%
HK$7,305
+HK$419/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$13,772/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$7,209
−HK$389/mo
▼ 0.25% · 3.875%
HK$7,402
−HK$196/mo
Today · 4.125%
HK$7,598
baseline
▲ 0.50% · 4.625%
HK$7,999
+HK$401/mo
Deposit HK$1.42M · loan HK$1.42M · min. income ≈ HK$15,196/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$7,776
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,018
−HK$246/mo
Today · 4.125%
HK$8,264
baseline
▲ 0.50% · 4.625%
HK$8,766
+HK$502/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,528/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$8,651
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,883
−HK$235/mo
Today · 4.125%
HK$9,118
baseline
▲ 0.50% · 4.625%
HK$9,599
+HK$481/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,236/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$9,072
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,354
−HK$287/mo
Today · 4.125%
HK$9,641
baseline
▲ 0.50% · 4.625%
HK$10,227
+HK$586/mo
Deposit HK$853K · loan HK$1.99M · min. income ≈ HK$19,282/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$10,092
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,363
−HK$275/mo
Today · 4.125%
HK$10,638
baseline
▲ 0.50% · 4.625%
HK$11,198
+HK$560/mo
Deposit HK$853K · loan HK$1.99M · min. income ≈ HK$21,276/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$11,664
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,027
−HK$368/mo
Today · 4.125%
HK$12,395
baseline
▲ 0.50% · 4.625%
HK$13,150
+HK$755/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$24,790/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$12,976
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,324
−HK$353/mo
Today · 4.125%
HK$13,677
baseline
▲ 0.50% · 4.625%
HK$14,398
+HK$721/mo
Deposit HK$284K · loan HK$2.56M · min. income ≈ HK$27,354/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).