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$7,457
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,689
−HK$236/mo
Today · 4.125%
HK$7,925
baseline
▲ 0.50% · 4.625%
HK$8,407
+HK$482/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,850/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,296
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,519
−HK$226/mo
Today · 4.125%
HK$8,745
baseline
▲ 0.50% · 4.625%
HK$9,205
+HK$460/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,490/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,949
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,227
−HK$283/mo
Today · 4.125%
HK$9,510
baseline
▲ 0.50% · 4.625%
HK$10,089
+HK$579/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$19,020/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,956
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,223
−HK$270/mo
Today · 4.125%
HK$10,493
baseline
▲ 0.50% · 4.625%
HK$11,047
+HK$554/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,986/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,440
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,765
−HK$330/mo
Today · 4.125%
HK$11,095
baseline
▲ 0.50% · 4.625%
HK$11,770
+HK$675/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$22,190/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,615
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,926
−HK$316/mo
Today · 4.125%
HK$12,242
baseline
▲ 0.50% · 4.625%
HK$12,888
+HK$646/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$24,484/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,423
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,841
−HK$424/mo
Today · 4.125%
HK$14,265
baseline
▲ 0.50% · 4.625%
HK$15,133
+HK$868/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$28,530/mo (50% DSR)
Upfront cash ≈ HK$327K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,933
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,334
−HK$406/mo
Today · 4.125%
HK$15,740
baseline
▲ 0.50% · 4.625%
HK$16,570
+HK$830/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,480/mo (50% DSR)
Upfront cash ≈ HK$327K (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).