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$6,747
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,957
−HK$213/mo
Today · 4.125%
HK$7,170
baseline
▲ 0.50% · 4.625%
HK$7,606
+HK$436/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,340/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,506
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,707
−HK$204/mo
Today · 4.125%
HK$7,911
baseline
▲ 0.50% · 4.625%
HK$8,328
+HK$417/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,822/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,096
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,348
−HK$256/mo
Today · 4.125%
HK$8,604
baseline
▲ 0.50% · 4.625%
HK$9,127
+HK$523/mo
Deposit HK$1.18M · loan HK$1.78M · min. income ≈ HK$17,208/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,007
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,248
−HK$246/mo
Today · 4.125%
HK$9,494
baseline
▲ 0.50% · 4.625%
HK$9,994
+HK$500/mo
Deposit HK$1.18M · loan HK$1.78M · min. income ≈ HK$18,988/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,446
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,739
−HK$299/mo
Today · 4.125%
HK$10,038
baseline
▲ 0.50% · 4.625%
HK$10,649
+HK$611/mo
Deposit HK$888K · loan HK$2.07M · min. income ≈ HK$20,076/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,508
−HK$568/mo
▼ 0.25% · 3.875%
HK$10,790
−HK$286/mo
Today · 4.125%
HK$11,076
baseline
▲ 0.50% · 4.625%
HK$11,660
+HK$584/mo
Deposit HK$888K · loan HK$2.07M · min. income ≈ HK$22,152/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,144
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,522
−HK$384/mo
Today · 4.125%
HK$12,906
baseline
▲ 0.50% · 4.625%
HK$13,691
+HK$785/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$25,812/mo (50% DSR)
Upfront cash ≈ HK$296K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,510
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,873
−HK$367/mo
Today · 4.125%
HK$14,240
baseline
▲ 0.50% · 4.625%
HK$14,991
+HK$751/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$28,480/mo (50% DSR)
Upfront cash ≈ HK$296K (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).