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$7,090
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,310
−HK$224/mo
Today · 4.125%
HK$7,534
baseline
▲ 0.50% · 4.625%
HK$7,993
+HK$459/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,068/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,887
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,099
−HK$214/mo
Today · 4.125%
HK$8,313
baseline
▲ 0.50% · 4.625%
HK$8,751
+HK$438/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,626/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,508
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,772
−HK$269/mo
Today · 4.125%
HK$9,041
baseline
▲ 0.50% · 4.625%
HK$9,591
+HK$550/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$18,082/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,465
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,718
−HK$258/mo
Today · 4.125%
HK$9,976
baseline
▲ 0.50% · 4.625%
HK$10,502
+HK$526/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$19,952/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,926
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,234
−HK$314/mo
Today · 4.125%
HK$10,548
baseline
▲ 0.50% · 4.625%
HK$11,190
+HK$642/mo
Deposit HK$933K · loan HK$2.18M · min. income ≈ HK$21,096/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,042
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,338
−HK$301/mo
Today · 4.125%
HK$11,639
baseline
▲ 0.50% · 4.625%
HK$12,252
+HK$613/mo
Deposit HK$933K · loan HK$2.18M · min. income ≈ HK$23,278/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,761
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,158
−HK$404/mo
Today · 4.125%
HK$13,562
baseline
▲ 0.50% · 4.625%
HK$14,387
+HK$825/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,124/mo (50% DSR)
Upfront cash ≈ HK$311K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,197
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,578
−HK$386/mo
Today · 4.125%
HK$14,964
baseline
▲ 0.50% · 4.625%
HK$15,753
+HK$789/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,928/mo (50% DSR)
Upfront cash ≈ HK$311K (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).