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$6,889
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,103
−HK$218/mo
Today · 4.125%
HK$7,321
baseline
▲ 0.50% · 4.625%
HK$7,766
+HK$445/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,642/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$7,664
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,869
−HK$209/mo
Today · 4.125%
HK$8,078
baseline
▲ 0.50% · 4.625%
HK$8,504
+HK$426/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,156/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$8,267
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,524
−HK$261/mo
Today · 4.125%
HK$8,785
baseline
▲ 0.50% · 4.625%
HK$9,320
+HK$535/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,570/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$9,197
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,443
−HK$250/mo
Today · 4.125%
HK$9,693
baseline
▲ 0.50% · 4.625%
HK$10,204
+HK$511/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,386/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$9,644
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,944
−HK$305/mo
Today · 4.125%
HK$10,249
baseline
▲ 0.50% · 4.625%
HK$10,873
+HK$624/mo
Deposit HK$906K · loan HK$2.11M · min. income ≈ HK$20,498/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$10,729
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,017
−HK$292/mo
Today · 4.125%
HK$11,309
baseline
▲ 0.50% · 4.625%
HK$11,905
+HK$596/mo
Deposit HK$906K · loan HK$2.11M · min. income ≈ HK$22,618/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$12,400
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,786
−HK$392/mo
Today · 4.125%
HK$13,178
baseline
▲ 0.50% · 4.625%
HK$13,979
+HK$801/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,356/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$13,795
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,165
−HK$375/mo
Today · 4.125%
HK$14,540
baseline
▲ 0.50% · 4.625%
HK$15,307
+HK$767/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$29,080/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).