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$6,990
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,208
−HK$221/mo
Today · 4.125%
HK$7,429
baseline
▲ 0.50% · 4.625%
HK$7,881
+HK$452/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,858/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,777
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,985
−HK$212/mo
Today · 4.125%
HK$8,197
baseline
▲ 0.50% · 4.625%
HK$8,629
+HK$432/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,394/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,388
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,649
−HK$265/mo
Today · 4.125%
HK$8,914
baseline
▲ 0.50% · 4.625%
HK$9,457
+HK$543/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,828/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,332
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,582
−HK$254/mo
Today · 4.125%
HK$9,836
baseline
▲ 0.50% · 4.625%
HK$10,354
+HK$518/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,672/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,786
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,091
−HK$309/mo
Today · 4.125%
HK$10,400
baseline
▲ 0.50% · 4.625%
HK$11,033
+HK$633/mo
Deposit HK$920K · loan HK$2.15M · min. income ≈ HK$20,800/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,887
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,179
−HK$296/mo
Today · 4.125%
HK$11,475
baseline
▲ 0.50% · 4.625%
HK$12,080
+HK$605/mo
Deposit HK$920K · loan HK$2.15M · min. income ≈ HK$22,950/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,582
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,974
−HK$397/mo
Today · 4.125%
HK$13,371
baseline
▲ 0.50% · 4.625%
HK$14,185
+HK$814/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$26,742/mo (50% DSR)
Upfront cash ≈ HK$307K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,998
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,373
−HK$381/mo
Today · 4.125%
HK$14,754
baseline
▲ 0.50% · 4.625%
HK$15,532
+HK$778/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$29,508/mo (50% DSR)
Upfront cash ≈ HK$307K (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).