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$7,347
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,575
−HK$232/mo
Today · 4.125%
HK$7,807
baseline
▲ 0.50% · 4.625%
HK$8,282
+HK$475/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,614/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,173
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,392
−HK$223/mo
Today · 4.125%
HK$8,615
baseline
▲ 0.50% · 4.625%
HK$9,069
+HK$454/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,230/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,816
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,090
−HK$279/mo
Today · 4.125%
HK$9,369
baseline
▲ 0.50% · 4.625%
HK$9,939
+HK$570/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,738/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,808
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,071
−HK$266/mo
Today · 4.125%
HK$10,337
baseline
▲ 0.50% · 4.625%
HK$10,882
+HK$545/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,674/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,285
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,605
−HK$325/mo
Today · 4.125%
HK$10,930
baseline
▲ 0.50% · 4.625%
HK$11,595
+HK$665/mo
Deposit HK$967K · loan HK$2.26M · min. income ≈ HK$21,860/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,442
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,749
−HK$311/mo
Today · 4.125%
HK$12,060
baseline
▲ 0.50% · 4.625%
HK$12,696
+HK$636/mo
Deposit HK$967K · loan HK$2.26M · min. income ≈ HK$24,120/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,224
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,635
−HK$418/mo
Today · 4.125%
HK$14,053
baseline
▲ 0.50% · 4.625%
HK$14,908
+HK$855/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$28,106/mo (50% DSR)
Upfront cash ≈ HK$322K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,711
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,106
−HK$400/mo
Today · 4.125%
HK$15,506
baseline
▲ 0.50% · 4.625%
HK$16,323
+HK$817/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$31,012/mo (50% DSR)
Upfront cash ≈ HK$322K (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).