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$7,502
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,735
−HK$238/mo
Today · 4.125%
HK$7,973
baseline
▲ 0.50% · 4.625%
HK$8,458
+HK$485/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,946/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$8,346
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,570
−HK$227/mo
Today · 4.125%
HK$8,797
baseline
▲ 0.50% · 4.625%
HK$9,261
+HK$464/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,594/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$9,002
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,282
−HK$285/mo
Today · 4.125%
HK$9,567
baseline
▲ 0.50% · 4.625%
HK$10,149
+HK$582/mo
Deposit HK$1.32M · loan HK$1.97M · min. income ≈ HK$19,134/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$10,015
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,284
−HK$272/mo
Today · 4.125%
HK$10,556
baseline
▲ 0.50% · 4.625%
HK$11,113
+HK$557/mo
Deposit HK$1.32M · loan HK$1.97M · min. income ≈ HK$21,112/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$10,503
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,830
−HK$332/mo
Today · 4.125%
HK$11,162
baseline
▲ 0.50% · 4.625%
HK$11,841
+HK$679/mo
Deposit HK$987K · loan HK$2.30M · min. income ≈ HK$22,324/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,684
−HK$632/mo
▼ 0.25% · 3.875%
HK$11,998
−HK$318/mo
Today · 4.125%
HK$12,316
baseline
▲ 0.50% · 4.625%
HK$12,965
+HK$649/mo
Deposit HK$987K · loan HK$2.30M · min. income ≈ HK$24,632/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,504
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,924
−HK$427/mo
Today · 4.125%
HK$14,351
baseline
▲ 0.50% · 4.625%
HK$15,224
+HK$873/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,702/mo (50% DSR)
Upfront cash ≈ HK$329K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,023
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,426
−HK$408/mo
Today · 4.125%
HK$15,834
baseline
▲ 0.50% · 4.625%
HK$16,669
+HK$835/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,668/mo (50% DSR)
Upfront cash ≈ HK$329K (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).