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$6,805
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,016
−HK$215/mo
Today · 4.125%
HK$7,231
baseline
▲ 0.50% · 4.625%
HK$7,672
+HK$441/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,462/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$7,570
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,773
−HK$206/mo
Today · 4.125%
HK$7,979
baseline
▲ 0.50% · 4.625%
HK$8,400
+HK$421/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,958/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$8,166
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,420
−HK$258/mo
Today · 4.125%
HK$8,678
baseline
▲ 0.50% · 4.625%
HK$9,206
+HK$528/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,356/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$9,084
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,328
−HK$247/mo
Today · 4.125%
HK$9,575
baseline
▲ 0.50% · 4.625%
HK$10,080
+HK$505/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,150/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$9,527
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,823
−HK$301/mo
Today · 4.125%
HK$10,124
baseline
▲ 0.50% · 4.625%
HK$10,740
+HK$616/mo
Deposit HK$895K · loan HK$2.09M · min. income ≈ HK$20,248/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,598
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,883
−HK$288/mo
Today · 4.125%
HK$11,171
baseline
▲ 0.50% · 4.625%
HK$11,760
+HK$589/mo
Deposit HK$895K · loan HK$2.09M · min. income ≈ HK$22,342/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,249
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,630
−HK$387/mo
Today · 4.125%
HK$13,017
baseline
▲ 0.50% · 4.625%
HK$13,809
+HK$792/mo
Deposit HK$298K · loan HK$2.69M · min. income ≈ HK$26,034/mo (50% DSR)
Upfront cash ≈ HK$299K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,626
−HK$737/mo
▼ 0.25% · 3.875%
HK$13,992
−HK$371/mo
Today · 4.125%
HK$14,363
baseline
▲ 0.50% · 4.625%
HK$15,120
+HK$757/mo
Deposit HK$298K · loan HK$2.69M · min. income ≈ HK$28,726/mo (50% DSR)
Upfront cash ≈ HK$299K (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).