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$7,413
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,644
−HK$234/mo
Today · 4.125%
HK$7,878
baseline
▲ 0.50% · 4.625%
HK$8,358
+HK$480/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,756/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,247
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,468
−HK$225/mo
Today · 4.125%
HK$8,693
baseline
▲ 0.50% · 4.625%
HK$9,151
+HK$458/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,386/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,896
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,173
−HK$281/mo
Today · 4.125%
HK$9,454
baseline
▲ 0.50% · 4.625%
HK$10,029
+HK$575/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,908/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,897
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,162
−HK$269/mo
Today · 4.125%
HK$10,431
baseline
▲ 0.50% · 4.625%
HK$10,981
+HK$550/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,862/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,379
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,701
−HK$328/mo
Today · 4.125%
HK$11,029
baseline
▲ 0.50% · 4.625%
HK$11,701
+HK$672/mo
Deposit HK$975K · loan HK$2.28M · min. income ≈ HK$22,058/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,546
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,856
−HK$314/mo
Today · 4.125%
HK$12,170
baseline
▲ 0.50% · 4.625%
HK$12,811
+HK$641/mo
Deposit HK$975K · loan HK$2.28M · min. income ≈ HK$24,340/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,344
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,759
−HK$422/mo
Today · 4.125%
HK$14,181
baseline
▲ 0.50% · 4.625%
HK$15,044
+HK$863/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$28,362/mo (50% DSR)
Upfront cash ≈ HK$325K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,845
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,243
−HK$404/mo
Today · 4.125%
HK$15,647
baseline
▲ 0.50% · 4.625%
HK$16,472
+HK$825/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$31,294/mo (50% DSR)
Upfront cash ≈ HK$325K (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).