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$6,782
−HK$426/mo
▼ 0.25% · 3.875%
HK$6,993
−HK$215/mo
Today · 4.125%
HK$7,208
baseline
▲ 0.50% · 4.625%
HK$7,646
+HK$438/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,416/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,545
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,748
−HK$205/mo
Today · 4.125%
HK$7,953
baseline
▲ 0.50% · 4.625%
HK$8,372
+HK$419/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,906/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,139
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,392
−HK$257/mo
Today · 4.125%
HK$8,649
baseline
▲ 0.50% · 4.625%
HK$9,176
+HK$527/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,298/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,054
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,297
−HK$247/mo
Today · 4.125%
HK$9,544
baseline
▲ 0.50% · 4.625%
HK$10,047
+HK$503/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,088/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,495
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,791
−HK$300/mo
Today · 4.125%
HK$10,091
baseline
▲ 0.50% · 4.625%
HK$10,705
+HK$614/mo
Deposit HK$892K · loan HK$2.08M · min. income ≈ HK$20,182/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,564
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,847
−HK$287/mo
Today · 4.125%
HK$11,134
baseline
▲ 0.50% · 4.625%
HK$11,721
+HK$587/mo
Deposit HK$892K · loan HK$2.08M · min. income ≈ HK$22,268/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,208
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,588
−HK$386/mo
Today · 4.125%
HK$12,974
baseline
▲ 0.50% · 4.625%
HK$13,763
+HK$789/mo
Deposit HK$297K · loan HK$2.68M · min. income ≈ HK$25,948/mo (50% DSR)
Upfront cash ≈ HK$298K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,582
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,946
−HK$369/mo
Today · 4.125%
HK$14,315
baseline
▲ 0.50% · 4.625%
HK$15,070
+HK$755/mo
Deposit HK$297K · loan HK$2.68M · min. income ≈ HK$28,630/mo (50% DSR)
Upfront cash ≈ HK$298K (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).