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$5,884
−HK$369/mo
▼ 0.25% · 3.875%
HK$6,067
−HK$186/mo
Today · 4.125%
HK$6,253
baseline
▲ 0.50% · 4.625%
HK$6,633
+HK$380/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$12,506/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,546
−HK$354/mo
▼ 0.25% · 3.875%
HK$6,721
−HK$179/mo
Today · 4.125%
HK$6,900
baseline
▲ 0.50% · 4.625%
HK$7,263
+HK$363/mo
Deposit HK$1.29M · loan HK$1.29M · min. income ≈ HK$13,800/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,061
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,280
−HK$224/mo
Today · 4.125%
HK$7,504
baseline
▲ 0.50% · 4.625%
HK$7,960
+HK$456/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$15,008/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$7,855
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,066
−HK$213/mo
Today · 4.125%
HK$8,279
baseline
▲ 0.50% · 4.625%
HK$8,716
+HK$437/mo
Deposit HK$1.03M · loan HK$1.55M · min. income ≈ HK$16,558/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$8,238
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,494
−HK$260/mo
Today · 4.125%
HK$8,754
baseline
▲ 0.50% · 4.625%
HK$9,287
+HK$533/mo
Deposit HK$774K · loan HK$1.81M · min. income ≈ HK$17,508/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,164
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,410
−HK$249/mo
Today · 4.125%
HK$9,659
baseline
▲ 0.50% · 4.625%
HK$10,169
+HK$510/mo
Deposit HK$774K · loan HK$1.81M · min. income ≈ HK$19,318/mo (50% DSR)
Upfront cash ≈ HK$774K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,591
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,921
−HK$334/mo
Today · 4.125%
HK$11,255
baseline
▲ 0.50% · 4.625%
HK$11,940
+HK$685/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,510/mo (50% DSR)
Upfront cash ≈ HK$258K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,783
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,099
−HK$320/mo
Today · 4.125%
HK$12,419
baseline
▲ 0.50% · 4.625%
HK$13,074
+HK$655/mo
Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$24,838/mo (50% DSR)
Upfront cash ≈ HK$258K (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).