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$7,274
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,500
−HK$230/mo
Today · 4.125%
HK$7,730
baseline
▲ 0.50% · 4.625%
HK$8,200
+HK$470/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,460/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,092
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,309
−HK$220/mo
Today · 4.125%
HK$8,529
baseline
▲ 0.50% · 4.625%
HK$8,979
+HK$450/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,058/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,729
−HK$547/mo
▼ 0.25% · 3.875%
HK$9,000
−HK$276/mo
Today · 4.125%
HK$9,276
baseline
▲ 0.50% · 4.625%
HK$9,840
+HK$564/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$18,552/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,711
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,971
−HK$264/mo
Today · 4.125%
HK$10,235
baseline
▲ 0.50% · 4.625%
HK$10,775
+HK$540/mo
Deposit HK$1.28M · loan HK$1.91M · min. income ≈ HK$20,470/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,183
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,500
−HK$322/mo
Today · 4.125%
HK$10,822
baseline
▲ 0.50% · 4.625%
HK$11,481
+HK$659/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$21,644/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,329
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,633
−HK$308/mo
Today · 4.125%
HK$11,941
baseline
▲ 0.50% · 4.625%
HK$12,570
+HK$629/mo
Deposit HK$957K · loan HK$2.23M · min. income ≈ HK$23,882/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,093
−HK$821/mo
▼ 0.25% · 3.875%
HK$13,500
−HK$414/mo
Today · 4.125%
HK$13,914
baseline
▲ 0.50% · 4.625%
HK$14,761
+HK$847/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,828/mo (50% DSR)
Upfront cash ≈ HK$319K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,566
−HK$787/mo
▼ 0.25% · 3.875%
HK$14,956
−HK$397/mo
Today · 4.125%
HK$15,353
baseline
▲ 0.50% · 4.625%
HK$16,162
+HK$809/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,706/mo (50% DSR)
Upfront cash ≈ HK$319K (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).