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$7,157
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,380
−HK$226/mo
Today · 4.125%
HK$7,606
baseline
▲ 0.50% · 4.625%
HK$8,069
+HK$463/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,212/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,962
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,176
−HK$217/mo
Today · 4.125%
HK$8,393
baseline
▲ 0.50% · 4.625%
HK$8,835
+HK$442/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,786/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,589
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,856
−HK$271/mo
Today · 4.125%
HK$9,127
baseline
▲ 0.50% · 4.625%
HK$9,683
+HK$556/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$18,254/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,555
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,811
−HK$260/mo
Today · 4.125%
HK$10,071
baseline
▲ 0.50% · 4.625%
HK$10,602
+HK$531/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$20,142/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,020
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,332
−HK$317/mo
Today · 4.125%
HK$10,649
baseline
▲ 0.50% · 4.625%
HK$11,296
+HK$647/mo
Deposit HK$942K · loan HK$2.20M · min. income ≈ HK$21,298/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,147
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,446
−HK$304/mo
Today · 4.125%
HK$11,750
baseline
▲ 0.50% · 4.625%
HK$12,369
+HK$619/mo
Deposit HK$942K · loan HK$2.20M · min. income ≈ HK$23,500/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,883
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,284
−HK$407/mo
Today · 4.125%
HK$13,691
baseline
▲ 0.50% · 4.625%
HK$14,524
+HK$833/mo
Deposit HK$314K · loan HK$2.82M · min. income ≈ HK$27,382/mo (50% DSR)
Upfront cash ≈ HK$314K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,332
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,717
−HK$390/mo
Today · 4.125%
HK$15,107
baseline
▲ 0.50% · 4.625%
HK$15,903
+HK$796/mo
Deposit HK$314K · loan HK$2.82M · min. income ≈ HK$30,214/mo (50% DSR)
Upfront cash ≈ HK$314K (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).