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$7,386
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,616
−HK$233/mo
Today · 4.125%
HK$7,849
baseline
▲ 0.50% · 4.625%
HK$8,327
+HK$478/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,698/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,217
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,437
−HK$224/mo
Today · 4.125%
HK$8,661
baseline
▲ 0.50% · 4.625%
HK$9,117
+HK$456/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,322/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,863
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,139
−HK$280/mo
Today · 4.125%
HK$9,419
baseline
▲ 0.50% · 4.625%
HK$9,992
+HK$573/mo
Deposit HK$1.30M · loan HK$1.94M · min. income ≈ HK$18,838/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,860
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,125
−HK$268/mo
Today · 4.125%
HK$10,393
baseline
▲ 0.50% · 4.625%
HK$10,941
+HK$548/mo
Deposit HK$1.30M · loan HK$1.94M · min. income ≈ HK$20,786/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,340
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,662
−HK$327/mo
Today · 4.125%
HK$10,989
baseline
▲ 0.50% · 4.625%
HK$11,658
+HK$669/mo
Deposit HK$972K · loan HK$2.27M · min. income ≈ HK$21,978/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,504
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,812
−HK$313/mo
Today · 4.125%
HK$12,125
baseline
▲ 0.50% · 4.625%
HK$12,764
+HK$639/mo
Deposit HK$972K · loan HK$2.27M · min. income ≈ HK$24,250/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,295
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,708
−HK$421/mo
Today · 4.125%
HK$14,129
baseline
▲ 0.50% · 4.625%
HK$14,988
+HK$859/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$28,258/mo (50% DSR)
Upfront cash ≈ HK$324K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,790
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,187
−HK$403/mo
Today · 4.125%
HK$15,590
baseline
▲ 0.50% · 4.625%
HK$16,411
+HK$821/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$31,180/mo (50% DSR)
Upfront cash ≈ HK$324K (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).