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$7,598
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,835
−HK$240/mo
Today · 4.125%
HK$8,075
baseline
▲ 0.50% · 4.625%
HK$8,566
+HK$491/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,150/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,453
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,680
−HK$230/mo
Today · 4.125%
HK$8,910
baseline
▲ 0.50% · 4.625%
HK$9,379
+HK$469/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,820/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,118
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,401
−HK$289/mo
Today · 4.125%
HK$9,690
baseline
▲ 0.50% · 4.625%
HK$10,279
+HK$589/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,380/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,143
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,416
−HK$276/mo
Today · 4.125%
HK$10,692
baseline
▲ 0.50% · 4.625%
HK$11,255
+HK$563/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,384/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,637
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,968
−HK$337/mo
Today · 4.125%
HK$11,305
baseline
▲ 0.50% · 4.625%
HK$11,992
+HK$687/mo
Deposit HK$1000K · loan HK$2.33M · min. income ≈ HK$22,610/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,834
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,151
−HK$322/mo
Today · 4.125%
HK$12,473
baseline
▲ 0.50% · 4.625%
HK$13,131
+HK$658/mo
Deposit HK$1000K · loan HK$2.33M · min. income ≈ HK$24,946/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,677
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,102
−HK$432/mo
Today · 4.125%
HK$14,534
baseline
▲ 0.50% · 4.625%
HK$15,419
+HK$885/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$29,068/mo (50% DSR)
Upfront cash ≈ HK$333K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,215
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,623
−HK$414/mo
Today · 4.125%
HK$16,037
baseline
▲ 0.50% · 4.625%
HK$16,883
+HK$846/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$32,074/mo (50% DSR)
Upfront cash ≈ HK$333K (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).