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$5,908
−HK$371/mo
▼ 0.25% · 3.875%
HK$6,092
−HK$187/mo
Today · 4.125%
HK$6,279
baseline
▲ 0.50% · 4.625%
HK$6,661
+HK$382/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$12,558/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,573
−HK$355/mo
▼ 0.25% · 3.875%
HK$6,749
−HK$179/mo
Today · 4.125%
HK$6,928
baseline
▲ 0.50% · 4.625%
HK$7,293
+HK$365/mo
Deposit HK$1.30M · loan HK$1.30M · min. income ≈ HK$13,856/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,090
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,311
−HK$224/mo
Today · 4.125%
HK$7,535
baseline
▲ 0.50% · 4.625%
HK$7,993
+HK$458/mo
Deposit HK$1.04M · loan HK$1.55M · min. income ≈ HK$15,070/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,888
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,099
−HK$215/mo
Today · 4.125%
HK$8,314
baseline
▲ 0.50% · 4.625%
HK$8,752
+HK$438/mo
Deposit HK$1.04M · loan HK$1.55M · min. income ≈ HK$16,628/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,272
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,529
−HK$262/mo
Today · 4.125%
HK$8,791
baseline
▲ 0.50% · 4.625%
HK$9,325
+HK$534/mo
Deposit HK$777K · loan HK$1.81M · min. income ≈ HK$17,582/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,202
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,449
−HK$251/mo
Today · 4.125%
HK$9,700
baseline
▲ 0.50% · 4.625%
HK$10,211
+HK$511/mo
Deposit HK$777K · loan HK$1.81M · min. income ≈ HK$19,400/mo (50% DSR)
Upfront cash ≈ HK$777K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,635
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,966
−HK$336/mo
Today · 4.125%
HK$11,302
baseline
▲ 0.50% · 4.625%
HK$11,990
+HK$688/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$22,604/mo (50% DSR)
Upfront cash ≈ HK$259K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,832
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,149
−HK$322/mo
Today · 4.125%
HK$12,471
baseline
▲ 0.50% · 4.625%
HK$13,128
+HK$657/mo
Deposit HK$259K · loan HK$2.33M · min. income ≈ HK$24,942/mo (50% DSR)
Upfront cash ≈ HK$259K (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).