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$7,096
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,317
−HK$224/mo
Today · 4.125%
HK$7,541
baseline
▲ 0.50% · 4.625%
HK$8,000
+HK$459/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,082/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,894
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,106
−HK$215/mo
Today · 4.125%
HK$8,321
baseline
▲ 0.50% · 4.625%
HK$8,759
+HK$438/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,642/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,515
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,780
−HK$269/mo
Today · 4.125%
HK$9,049
baseline
▲ 0.50% · 4.625%
HK$9,600
+HK$551/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$18,098/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$9,473
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,727
−HK$258/mo
Today · 4.125%
HK$9,985
baseline
▲ 0.50% · 4.625%
HK$10,511
+HK$526/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$19,970/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$9,934
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,244
−HK$313/mo
Today · 4.125%
HK$10,557
baseline
▲ 0.50% · 4.625%
HK$11,200
+HK$643/mo
Deposit HK$934K · loan HK$2.18M · min. income ≈ HK$21,114/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,052
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,348
−HK$301/mo
Today · 4.125%
HK$11,649
baseline
▲ 0.50% · 4.625%
HK$12,263
+HK$614/mo
Deposit HK$934K · loan HK$2.18M · min. income ≈ HK$23,298/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,773
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,170
−HK$404/mo
Today · 4.125%
HK$13,574
baseline
▲ 0.50% · 4.625%
HK$14,400
+HK$826/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,148/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$14,210
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,591
−HK$386/mo
Today · 4.125%
HK$14,977
baseline
▲ 0.50% · 4.625%
HK$15,767
+HK$790/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,954/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).