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$6,401
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,600
−HK$202/mo
Today · 4.125%
HK$6,802
baseline
▲ 0.50% · 4.625%
HK$7,216
+HK$414/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,604/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,121
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,312
−HK$194/mo
Today · 4.125%
HK$7,506
baseline
▲ 0.50% · 4.625%
HK$7,901
+HK$395/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$15,012/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,681
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,920
−HK$243/mo
Today · 4.125%
HK$8,163
baseline
▲ 0.50% · 4.625%
HK$8,659
+HK$496/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,326/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,545
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,774
−HK$233/mo
Today · 4.125%
HK$9,007
baseline
▲ 0.50% · 4.625%
HK$9,481
+HK$474/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$18,014/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,961
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,240
−HK$283/mo
Today · 4.125%
HK$9,523
baseline
▲ 0.50% · 4.625%
HK$10,103
+HK$580/mo
Deposit HK$842K · loan HK$1.96M · min. income ≈ HK$19,046/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,969
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,237
−HK$271/mo
Today · 4.125%
HK$10,508
baseline
▲ 0.50% · 4.625%
HK$11,062
+HK$554/mo
Deposit HK$842K · loan HK$1.96M · min. income ≈ HK$21,016/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,522
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,880
−HK$364/mo
Today · 4.125%
HK$12,244
baseline
▲ 0.50% · 4.625%
HK$12,989
+HK$745/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,488/mo (50% DSR)
Upfront cash ≈ HK$281K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,818
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,161
−HK$349/mo
Today · 4.125%
HK$13,510
baseline
▲ 0.50% · 4.625%
HK$14,222
+HK$712/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,020/mo (50% DSR)
Upfront cash ≈ HK$281K (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).