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$6,563
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,767
−HK$208/mo
Today · 4.125%
HK$6,975
baseline
▲ 0.50% · 4.625%
HK$7,399
+HK$424/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,950/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,301
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,497
−HK$199/mo
Today · 4.125%
HK$7,696
baseline
▲ 0.50% · 4.625%
HK$8,101
+HK$405/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,392/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,876
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,121
−HK$249/mo
Today · 4.125%
HK$8,370
baseline
▲ 0.50% · 4.625%
HK$8,879
+HK$509/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,740/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,762
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,997
−HK$238/mo
Today · 4.125%
HK$9,235
baseline
▲ 0.50% · 4.625%
HK$9,722
+HK$487/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,470/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,188
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,474
−HK$290/mo
Today · 4.125%
HK$9,764
baseline
▲ 0.50% · 4.625%
HK$10,359
+HK$595/mo
Deposit HK$863K · loan HK$2.01M · min. income ≈ HK$19,528/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,222
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,496
−HK$278/mo
Today · 4.125%
HK$10,774
baseline
▲ 0.50% · 4.625%
HK$11,342
+HK$568/mo
Deposit HK$863K · loan HK$2.01M · min. income ≈ HK$21,548/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,813
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,181
−HK$373/mo
Today · 4.125%
HK$12,554
baseline
▲ 0.50% · 4.625%
HK$13,318
+HK$764/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,108/mo (50% DSR)
Upfront cash ≈ HK$288K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,142
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,495
−HK$357/mo
Today · 4.125%
HK$13,852
baseline
▲ 0.50% · 4.625%
HK$14,583
+HK$731/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,704/mo (50% DSR)
Upfront cash ≈ HK$288K (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).