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$6,812
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,024
−HK$215/mo
Today · 4.125%
HK$7,239
baseline
▲ 0.50% · 4.625%
HK$7,679
+HK$440/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,478/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,578
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,781
−HK$207/mo
Today · 4.125%
HK$7,988
baseline
▲ 0.50% · 4.625%
HK$8,409
+HK$421/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,976/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,174
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,428
−HK$259/mo
Today · 4.125%
HK$8,687
baseline
▲ 0.50% · 4.625%
HK$9,215
+HK$528/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,374/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,094
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,338
−HK$247/mo
Today · 4.125%
HK$9,585
baseline
▲ 0.50% · 4.625%
HK$10,090
+HK$505/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,170/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,537
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,833
−HK$302/mo
Today · 4.125%
HK$10,135
baseline
▲ 0.50% · 4.625%
HK$10,751
+HK$616/mo
Deposit HK$896K · loan HK$2.09M · min. income ≈ HK$20,270/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,609
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,894
−HK$289/mo
Today · 4.125%
HK$11,183
baseline
▲ 0.50% · 4.625%
HK$11,772
+HK$589/mo
Deposit HK$896K · loan HK$2.09M · min. income ≈ HK$22,366/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,261
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,643
−HK$387/mo
Today · 4.125%
HK$13,030
baseline
▲ 0.50% · 4.625%
HK$13,823
+HK$793/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,060/mo (50% DSR)
Upfront cash ≈ HK$299K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,641
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,006
−HK$372/mo
Today · 4.125%
HK$14,378
baseline
▲ 0.50% · 4.625%
HK$15,135
+HK$757/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,756/mo (50% DSR)
Upfront cash ≈ HK$299K (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).