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$7,391
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,621
−HK$234/mo
Today · 4.125%
HK$7,855
baseline
▲ 0.50% · 4.625%
HK$8,333
+HK$478/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,710/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$8,223
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,443
−HK$224/mo
Today · 4.125%
HK$8,667
baseline
▲ 0.50% · 4.625%
HK$9,124
+HK$457/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,334/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$8,870
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,146
−HK$280/mo
Today · 4.125%
HK$9,426
baseline
▲ 0.50% · 4.625%
HK$9,999
+HK$573/mo
Deposit HK$1.30M · loan HK$1.94M · min. income ≈ HK$18,852/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$9,867
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,132
−HK$269/mo
Today · 4.125%
HK$10,401
baseline
▲ 0.50% · 4.625%
HK$10,949
+HK$548/mo
Deposit HK$1.30M · loan HK$1.94M · min. income ≈ HK$20,802/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$10,348
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,670
−HK$327/mo
Today · 4.125%
HK$10,997
baseline
▲ 0.50% · 4.625%
HK$11,666
+HK$669/mo
Deposit HK$972K · loan HK$2.27M · min. income ≈ HK$21,994/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$11,512
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,821
−HK$313/mo
Today · 4.125%
HK$12,134
baseline
▲ 0.50% · 4.625%
HK$12,774
+HK$640/mo
Deposit HK$972K · loan HK$2.27M · min. income ≈ HK$24,268/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$13,305
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,718
−HK$421/mo
Today · 4.125%
HK$14,139
baseline
▲ 0.50% · 4.625%
HK$14,999
+HK$860/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$28,278/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$14,801
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,198
−HK$403/mo
Today · 4.125%
HK$15,601
baseline
▲ 0.50% · 4.625%
HK$16,423
+HK$822/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$31,202/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).