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$7,037
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,256
−HK$223/mo
Today · 4.125%
HK$7,479
baseline
▲ 0.50% · 4.625%
HK$7,934
+HK$455/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,958/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,829
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,039
−HK$213/mo
Today · 4.125%
HK$8,252
baseline
▲ 0.50% · 4.625%
HK$8,687
+HK$435/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,504/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,445
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,707
−HK$267/mo
Today · 4.125%
HK$8,974
baseline
▲ 0.50% · 4.625%
HK$9,520
+HK$546/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,948/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,395
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,647
−HK$255/mo
Today · 4.125%
HK$9,902
baseline
▲ 0.50% · 4.625%
HK$10,424
+HK$522/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,804/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,852
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,159
−HK$311/mo
Today · 4.125%
HK$10,470
baseline
▲ 0.50% · 4.625%
HK$11,107
+HK$637/mo
Deposit HK$926K · loan HK$2.16M · min. income ≈ HK$20,940/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,961
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,255
−HK$298/mo
Today · 4.125%
HK$11,553
baseline
▲ 0.50% · 4.625%
HK$12,162
+HK$609/mo
Deposit HK$926K · loan HK$2.16M · min. income ≈ HK$23,106/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,667
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,061
−HK$401/mo
Today · 4.125%
HK$13,462
baseline
▲ 0.50% · 4.625%
HK$14,281
+HK$819/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$26,924/mo (50% DSR)
Upfront cash ≈ HK$309K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,092
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,470
−HK$384/mo
Today · 4.125%
HK$14,854
baseline
▲ 0.50% · 4.625%
HK$15,636
+HK$782/mo
Deposit HK$309K · loan HK$2.78M · min. income ≈ HK$29,708/mo (50% DSR)
Upfront cash ≈ HK$309K (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).