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$6,887
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,102
−HK$217/mo
Today · 4.125%
HK$7,319
baseline
▲ 0.50% · 4.625%
HK$7,765
+HK$446/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,638/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,662
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,868
−HK$208/mo
Today · 4.125%
HK$8,076
baseline
▲ 0.50% · 4.625%
HK$8,502
+HK$426/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,152/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,265
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,522
−HK$261/mo
Today · 4.125%
HK$8,783
baseline
▲ 0.50% · 4.625%
HK$9,317
+HK$534/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,566/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,194
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,441
−HK$250/mo
Today · 4.125%
HK$9,691
baseline
▲ 0.50% · 4.625%
HK$10,202
+HK$511/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,382/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,642
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,942
−HK$305/mo
Today · 4.125%
HK$10,247
baseline
▲ 0.50% · 4.625%
HK$10,870
+HK$623/mo
Deposit HK$906K · loan HK$2.11M · min. income ≈ HK$20,494/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,727
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,015
−HK$291/mo
Today · 4.125%
HK$11,306
baseline
▲ 0.50% · 4.625%
HK$11,902
+HK$596/mo
Deposit HK$906K · loan HK$2.11M · min. income ≈ HK$22,612/mo (50% DSR)
Upfront cash ≈ HK$906K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,397
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,783
−HK$392/mo
Today · 4.125%
HK$13,175
baseline
▲ 0.50% · 4.625%
HK$13,976
+HK$801/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,350/mo (50% DSR)
Upfront cash ≈ HK$302K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,792
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,162
−HK$375/mo
Today · 4.125%
HK$14,537
baseline
▲ 0.50% · 4.625%
HK$15,303
+HK$766/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$29,074/mo (50% DSR)
Upfront cash ≈ HK$302K (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).