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$5,958
−HK$373/mo
▼ 0.25% · 3.875%
HK$6,143
−HK$188/mo
Today · 4.125%
HK$6,331
baseline
▲ 0.50% · 4.625%
HK$6,716
+HK$385/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$12,662/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,628
−HK$358/mo
▼ 0.25% · 3.875%
HK$6,806
−HK$180/mo
Today · 4.125%
HK$6,986
baseline
▲ 0.50% · 4.625%
HK$7,354
+HK$368/mo
Deposit HK$1.31M · loan HK$1.31M · min. income ≈ HK$13,972/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,149
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,372
−HK$225/mo
Today · 4.125%
HK$7,597
baseline
▲ 0.50% · 4.625%
HK$8,060
+HK$463/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$15,194/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,953
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,167
−HK$216/mo
Today · 4.125%
HK$8,383
baseline
▲ 0.50% · 4.625%
HK$8,825
+HK$442/mo
Deposit HK$1.05M · loan HK$1.57M · min. income ≈ HK$16,766/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,341
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,600
−HK$264/mo
Today · 4.125%
HK$8,864
baseline
▲ 0.50% · 4.625%
HK$9,403
+HK$539/mo
Deposit HK$784K · loan HK$1.83M · min. income ≈ HK$17,728/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,279
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,528
−HK$252/mo
Today · 4.125%
HK$9,780
baseline
▲ 0.50% · 4.625%
HK$10,296
+HK$516/mo
Deposit HK$784K · loan HK$1.83M · min. income ≈ HK$19,560/mo (50% DSR)
Upfront cash ≈ HK$784K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,724
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,057
−HK$339/mo
Today · 4.125%
HK$11,396
baseline
▲ 0.50% · 4.625%
HK$12,090
+HK$694/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$22,792/mo (50% DSR)
Upfront cash ≈ HK$261K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,930
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,250
−HK$325/mo
Today · 4.125%
HK$12,575
baseline
▲ 0.50% · 4.625%
HK$13,237
+HK$662/mo
Deposit HK$261K · loan HK$2.35M · min. income ≈ HK$25,150/mo (50% DSR)
Upfront cash ≈ HK$261K (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).