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$6,914
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,129
−HK$218/mo
Today · 4.125%
HK$7,347
baseline
▲ 0.50% · 4.625%
HK$7,795
+HK$448/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,694/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,692
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,898
−HK$209/mo
Today · 4.125%
HK$8,107
baseline
▲ 0.50% · 4.625%
HK$8,535
+HK$428/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,214/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,297
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,555
−HK$262/mo
Today · 4.125%
HK$8,817
baseline
▲ 0.50% · 4.625%
HK$9,353
+HK$536/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,634/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,230
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,478
−HK$251/mo
Today · 4.125%
HK$9,729
baseline
▲ 0.50% · 4.625%
HK$10,241
+HK$512/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,458/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,679
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,981
−HK$305/mo
Today · 4.125%
HK$10,286
baseline
▲ 0.50% · 4.625%
HK$10,912
+HK$626/mo
Deposit HK$910K · loan HK$2.12M · min. income ≈ HK$20,572/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,768
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,057
−HK$293/mo
Today · 4.125%
HK$11,350
baseline
▲ 0.50% · 4.625%
HK$11,948
+HK$598/mo
Deposit HK$910K · loan HK$2.12M · min. income ≈ HK$22,700/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,445
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,832
−HK$393/mo
Today · 4.125%
HK$13,225
baseline
▲ 0.50% · 4.625%
HK$14,030
+HK$805/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$26,450/mo (50% DSR)
Upfront cash ≈ HK$303K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,845
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,216
−HK$377/mo
Today · 4.125%
HK$14,593
baseline
▲ 0.50% · 4.625%
HK$15,362
+HK$769/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$29,186/mo (50% DSR)
Upfront cash ≈ HK$303K (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).