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$7,533
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,767
−HK$239/mo
Today · 4.125%
HK$8,006
baseline
▲ 0.50% · 4.625%
HK$8,493
+HK$487/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$16,012/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,381
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,605
−HK$228/mo
Today · 4.125%
HK$8,833
baseline
▲ 0.50% · 4.625%
HK$9,299
+HK$466/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,666/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,040
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,321
−HK$286/mo
Today · 4.125%
HK$9,607
baseline
▲ 0.50% · 4.625%
HK$10,191
+HK$584/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,214/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,057
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,326
−HK$274/mo
Today · 4.125%
HK$10,600
baseline
▲ 0.50% · 4.625%
HK$11,159
+HK$559/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,200/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,546
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,874
−HK$334/mo
Today · 4.125%
HK$11,208
baseline
▲ 0.50% · 4.625%
HK$11,890
+HK$682/mo
Deposit HK$991K · loan HK$2.31M · min. income ≈ HK$22,416/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,733
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,047
−HK$320/mo
Today · 4.125%
HK$12,367
baseline
▲ 0.50% · 4.625%
HK$13,018
+HK$651/mo
Deposit HK$991K · loan HK$2.31M · min. income ≈ HK$24,734/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,560
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,981
−HK$429/mo
Today · 4.125%
HK$14,410
baseline
▲ 0.50% · 4.625%
HK$15,287
+HK$877/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,820/mo (50% DSR)
Upfront cash ≈ HK$330K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,085
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,489
−HK$411/mo
Today · 4.125%
HK$15,900
baseline
▲ 0.50% · 4.625%
HK$16,738
+HK$838/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,800/mo (50% DSR)
Upfront cash ≈ HK$330K (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).