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$6,855
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,068
−HK$217/mo
Today · 4.125%
HK$7,285
baseline
▲ 0.50% · 4.625%
HK$7,728
+HK$443/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,570/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,626
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,830
−HK$208/mo
Today · 4.125%
HK$8,038
baseline
▲ 0.50% · 4.625%
HK$8,462
+HK$424/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,076/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,226
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,482
−HK$260/mo
Today · 4.125%
HK$8,742
baseline
▲ 0.50% · 4.625%
HK$9,273
+HK$531/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,484/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,151
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,396
−HK$249/mo
Today · 4.125%
HK$9,645
baseline
▲ 0.50% · 4.625%
HK$10,154
+HK$509/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,290/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,597
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,895
−HK$303/mo
Today · 4.125%
HK$10,198
baseline
▲ 0.50% · 4.625%
HK$10,819
+HK$621/mo
Deposit HK$902K · loan HK$2.10M · min. income ≈ HK$20,396/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,676
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,962
−HK$291/mo
Today · 4.125%
HK$11,253
baseline
▲ 0.50% · 4.625%
HK$11,846
+HK$593/mo
Deposit HK$902K · loan HK$2.10M · min. income ≈ HK$22,506/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,339
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,722
−HK$390/mo
Today · 4.125%
HK$13,112
baseline
▲ 0.50% · 4.625%
HK$13,910
+HK$798/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,224/mo (50% DSR)
Upfront cash ≈ HK$301K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,726
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,095
−HK$373/mo
Today · 4.125%
HK$14,468
baseline
▲ 0.50% · 4.625%
HK$15,231
+HK$763/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$28,936/mo (50% DSR)
Upfront cash ≈ HK$301K (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).