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$7,115
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,337
−HK$225/mo
Today · 4.125%
HK$7,562
baseline
▲ 0.50% · 4.625%
HK$8,022
+HK$460/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,124/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,916
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,128
−HK$215/mo
Today · 4.125%
HK$8,343
baseline
▲ 0.50% · 4.625%
HK$8,783
+HK$440/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,686/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,538
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,804
−HK$270/mo
Today · 4.125%
HK$9,074
baseline
▲ 0.50% · 4.625%
HK$9,626
+HK$552/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,148/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,499
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,754
−HK$258/mo
Today · 4.125%
HK$10,012
baseline
▲ 0.50% · 4.625%
HK$10,540
+HK$528/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$20,024/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,962
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,271
−HK$315/mo
Today · 4.125%
HK$10,586
baseline
▲ 0.50% · 4.625%
HK$11,230
+HK$644/mo
Deposit HK$936K · loan HK$2.18M · min. income ≈ HK$21,172/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,082
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,379
−HK$302/mo
Today · 4.125%
HK$11,681
baseline
▲ 0.50% · 4.625%
HK$12,297
+HK$616/mo
Deposit HK$936K · loan HK$2.18M · min. income ≈ HK$23,362/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,808
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,206
−HK$405/mo
Today · 4.125%
HK$13,611
baseline
▲ 0.50% · 4.625%
HK$14,439
+HK$828/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$27,222/mo (50% DSR)
Upfront cash ≈ HK$312K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,248
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,631
−HK$387/mo
Today · 4.125%
HK$15,018
baseline
▲ 0.50% · 4.625%
HK$15,810
+HK$792/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$30,036/mo (50% DSR)
Upfront cash ≈ HK$312K (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).