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$6,355
−HK$398/mo
▼ 0.25% · 3.875%
HK$6,552
−HK$201/mo
Today · 4.125%
HK$6,753
baseline
▲ 0.50% · 4.625%
HK$7,164
+HK$411/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$13,506/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,070
−HK$381/mo
▼ 0.25% · 3.875%
HK$7,259
−HK$192/mo
Today · 4.125%
HK$7,451
baseline
▲ 0.50% · 4.625%
HK$7,844
+HK$393/mo
Deposit HK$1.39M · loan HK$1.39M · min. income ≈ HK$14,902/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,626
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,863
−HK$241/mo
Today · 4.125%
HK$8,104
baseline
▲ 0.50% · 4.625%
HK$8,597
+HK$493/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$16,208/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,483
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,711
−HK$231/mo
Today · 4.125%
HK$8,942
baseline
▲ 0.50% · 4.625%
HK$9,413
+HK$471/mo
Deposit HK$1.11M · loan HK$1.67M · min. income ≈ HK$17,884/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,897
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,173
−HK$281/mo
Today · 4.125%
HK$9,454
baseline
▲ 0.50% · 4.625%
HK$10,030
+HK$576/mo
Deposit HK$836K · loan HK$1.95M · min. income ≈ HK$18,908/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,897
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,163
−HK$269/mo
Today · 4.125%
HK$10,432
baseline
▲ 0.50% · 4.625%
HK$10,982
+HK$550/mo
Deposit HK$836K · loan HK$1.95M · min. income ≈ HK$20,864/mo (50% DSR)
Upfront cash ≈ HK$836K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,438
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,794
−HK$362/mo
Today · 4.125%
HK$12,156
baseline
▲ 0.50% · 4.625%
HK$12,895
+HK$739/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$24,312/mo (50% DSR)
Upfront cash ≈ HK$279K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,725
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,066
−HK$347/mo
Today · 4.125%
HK$13,413
baseline
▲ 0.50% · 4.625%
HK$14,120
+HK$707/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$26,826/mo (50% DSR)
Upfront cash ≈ HK$279K (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).