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$7,235
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,460
−HK$228/mo
Today · 4.125%
HK$7,688
baseline
▲ 0.50% · 4.625%
HK$8,156
+HK$468/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,376/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,049
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,264
−HK$219/mo
Today · 4.125%
HK$8,483
baseline
▲ 0.50% · 4.625%
HK$8,931
+HK$448/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,966/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,682
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,952
−HK$274/mo
Today · 4.125%
HK$9,226
baseline
▲ 0.50% · 4.625%
HK$9,788
+HK$562/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,452/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,658
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,917
−HK$263/mo
Today · 4.125%
HK$10,180
baseline
▲ 0.50% · 4.625%
HK$10,717
+HK$537/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,360/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,129
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,444
−HK$320/mo
Today · 4.125%
HK$10,764
baseline
▲ 0.50% · 4.625%
HK$11,419
+HK$655/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$21,528/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,268
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,570
−HK$307/mo
Today · 4.125%
HK$11,877
baseline
▲ 0.50% · 4.625%
HK$12,503
+HK$626/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$23,754/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,023
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,428
−HK$411/mo
Today · 4.125%
HK$13,839
baseline
▲ 0.50% · 4.625%
HK$14,681
+HK$842/mo
Deposit HK$317K · loan HK$2.86M · min. income ≈ HK$27,678/mo (50% DSR)
Upfront cash ≈ HK$317K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,488
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,876
−HK$394/mo
Today · 4.125%
HK$15,270
baseline
▲ 0.50% · 4.625%
HK$16,075
+HK$805/mo
Deposit HK$317K · loan HK$2.86M · min. income ≈ HK$30,540/mo (50% DSR)
Upfront cash ≈ HK$317K (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).