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$7,396
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,626
−HK$234/mo
Today · 4.125%
HK$7,860
baseline
▲ 0.50% · 4.625%
HK$8,338
+HK$478/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,720/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$8,228
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,449
−HK$223/mo
Today · 4.125%
HK$8,672
baseline
▲ 0.50% · 4.625%
HK$9,130
+HK$458/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,344/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$8,875
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,151
−HK$281/mo
Today · 4.125%
HK$9,432
baseline
▲ 0.50% · 4.625%
HK$10,006
+HK$574/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,864/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$9,874
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,138
−HK$269/mo
Today · 4.125%
HK$10,407
baseline
▲ 0.50% · 4.625%
HK$10,956
+HK$549/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,814/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$10,354
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,676
−HK$328/mo
Today · 4.125%
HK$11,004
baseline
▲ 0.50% · 4.625%
HK$11,673
+HK$669/mo
Deposit HK$973K · loan HK$2.27M · min. income ≈ HK$22,008/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,519
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,828
−HK$313/mo
Today · 4.125%
HK$12,141
baseline
▲ 0.50% · 4.625%
HK$12,781
+HK$640/mo
Deposit HK$973K · loan HK$2.27M · min. income ≈ HK$24,282/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,313
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,727
−HK$421/mo
Today · 4.125%
HK$14,148
baseline
▲ 0.50% · 4.625%
HK$15,008
+HK$860/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$28,296/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$14,810
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,207
−HK$403/mo
Today · 4.125%
HK$15,610
baseline
▲ 0.50% · 4.625%
HK$16,433
+HK$823/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$31,220/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).