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$7,382
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,611
−HK$234/mo
Today · 4.125%
HK$7,845
baseline
▲ 0.50% · 4.625%
HK$8,322
+HK$477/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,690/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$8,212
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,432
−HK$224/mo
Today · 4.125%
HK$8,656
baseline
▲ 0.50% · 4.625%
HK$9,112
+HK$456/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,312/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$8,858
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,134
−HK$279/mo
Today · 4.125%
HK$9,413
baseline
▲ 0.50% · 4.625%
HK$9,986
+HK$573/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,826/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,854
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,119
−HK$268/mo
Today · 4.125%
HK$10,387
baseline
▲ 0.50% · 4.625%
HK$10,934
+HK$547/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,774/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,334
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,656
−HK$326/mo
Today · 4.125%
HK$10,982
baseline
▲ 0.50% · 4.625%
HK$11,651
+HK$669/mo
Deposit HK$971K · loan HK$2.27M · min. income ≈ HK$21,964/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,497
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,805
−HK$313/mo
Today · 4.125%
HK$12,118
baseline
▲ 0.50% · 4.625%
HK$12,757
+HK$639/mo
Deposit HK$971K · loan HK$2.27M · min. income ≈ HK$24,236/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,287
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,700
−HK$420/mo
Today · 4.125%
HK$14,120
baseline
▲ 0.50% · 4.625%
HK$14,979
+HK$859/mo
Deposit HK$324K · loan HK$2.91M · min. income ≈ HK$28,240/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$14,782
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,178
−HK$402/mo
Today · 4.125%
HK$15,580
baseline
▲ 0.50% · 4.625%
HK$16,402
+HK$822/mo
Deposit HK$324K · loan HK$2.91M · min. income ≈ HK$31,160/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).