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$7,343
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,572
−HK$232/mo
Today · 4.125%
HK$7,804
baseline
▲ 0.50% · 4.625%
HK$8,279
+HK$475/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,608/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$8,169
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,388
−HK$223/mo
Today · 4.125%
HK$8,611
baseline
▲ 0.50% · 4.625%
HK$9,065
+HK$454/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,222/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$8,812
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,086
−HK$278/mo
Today · 4.125%
HK$9,364
baseline
▲ 0.50% · 4.625%
HK$9,934
+HK$570/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,728/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$9,803
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,066
−HK$267/mo
Today · 4.125%
HK$10,333
baseline
▲ 0.50% · 4.625%
HK$10,877
+HK$544/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,666/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$10,281
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,600
−HK$325/mo
Today · 4.125%
HK$10,925
baseline
▲ 0.50% · 4.625%
HK$11,590
+HK$665/mo
Deposit HK$966K · loan HK$2.25M · min. income ≈ HK$21,850/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,437
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,744
−HK$311/mo
Today · 4.125%
HK$12,055
baseline
▲ 0.50% · 4.625%
HK$12,690
+HK$635/mo
Deposit HK$966K · loan HK$2.25M · min. income ≈ HK$24,110/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,218
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,629
−HK$418/mo
Today · 4.125%
HK$14,047
baseline
▲ 0.50% · 4.625%
HK$14,901
+HK$854/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$28,094/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$14,705
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,099
−HK$400/mo
Today · 4.125%
HK$15,499
baseline
▲ 0.50% · 4.625%
HK$16,316
+HK$817/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$30,998/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).