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$7,384
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,613
−HK$234/mo
Today · 4.125%
HK$7,847
baseline
▲ 0.50% · 4.625%
HK$8,324
+HK$477/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,694/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,214
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,434
−HK$224/mo
Today · 4.125%
HK$8,658
baseline
▲ 0.50% · 4.625%
HK$9,114
+HK$456/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,316/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,860
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,136
−HK$280/mo
Today · 4.125%
HK$9,416
baseline
▲ 0.50% · 4.625%
HK$9,989
+HK$573/mo
Deposit HK$1.30M · loan HK$1.94M · min. income ≈ HK$18,832/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$9,857
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,121
−HK$269/mo
Today · 4.125%
HK$10,390
baseline
▲ 0.50% · 4.625%
HK$10,937
+HK$547/mo
Deposit HK$1.30M · loan HK$1.94M · min. income ≈ HK$20,780/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$10,337
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,659
−HK$326/mo
Today · 4.125%
HK$10,985
baseline
▲ 0.50% · 4.625%
HK$11,654
+HK$669/mo
Deposit HK$971K · loan HK$2.27M · min. income ≈ HK$21,970/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,500
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,808
−HK$313/mo
Today · 4.125%
HK$12,121
baseline
▲ 0.50% · 4.625%
HK$12,760
+HK$639/mo
Deposit HK$971K · loan HK$2.27M · min. income ≈ HK$24,242/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,291
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,704
−HK$420/mo
Today · 4.125%
HK$14,124
baseline
▲ 0.50% · 4.625%
HK$14,983
+HK$859/mo
Deposit HK$324K · loan HK$2.91M · min. income ≈ HK$28,248/mo (50% DSR)
Upfront cash ≈ HK$324K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,786
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,182
−HK$402/mo
Today · 4.125%
HK$15,584
baseline
▲ 0.50% · 4.625%
HK$16,406
+HK$822/mo
Deposit HK$324K · loan HK$2.91M · min. income ≈ HK$31,168/mo (50% DSR)
Upfront cash ≈ HK$324K (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).