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$6,856
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,069
−HK$217/mo
Today · 4.125%
HK$7,286
baseline
▲ 0.50% · 4.625%
HK$7,729
+HK$443/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,572/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,627
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,832
−HK$208/mo
Today · 4.125%
HK$8,040
baseline
▲ 0.50% · 4.625%
HK$8,463
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,080/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,227
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,483
−HK$260/mo
Today · 4.125%
HK$8,743
baseline
▲ 0.50% · 4.625%
HK$9,275
+HK$532/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,486/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,153
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,398
−HK$249/mo
Today · 4.125%
HK$9,647
baseline
▲ 0.50% · 4.625%
HK$10,156
+HK$509/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,294/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,599
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,897
−HK$304/mo
Today · 4.125%
HK$10,201
baseline
▲ 0.50% · 4.625%
HK$10,821
+HK$620/mo
Deposit HK$902K · loan HK$2.10M · min. income ≈ HK$20,402/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,678
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,965
−HK$290/mo
Today · 4.125%
HK$11,255
baseline
▲ 0.50% · 4.625%
HK$11,849
+HK$594/mo
Deposit HK$902K · loan HK$2.10M · min. income ≈ HK$22,510/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,341
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,725
−HK$390/mo
Today · 4.125%
HK$13,115
baseline
▲ 0.50% · 4.625%
HK$13,913
+HK$798/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,230/mo (50% DSR)
Upfront cash ≈ HK$301K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,729
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,098
−HK$373/mo
Today · 4.125%
HK$14,471
baseline
▲ 0.50% · 4.625%
HK$15,234
+HK$763/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$28,942/mo (50% DSR)
Upfront cash ≈ HK$301K (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).