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$7,242
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,467
−HK$229/mo
Today · 4.125%
HK$7,696
baseline
▲ 0.50% · 4.625%
HK$8,164
+HK$468/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,392/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,056
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,272
−HK$219/mo
Today · 4.125%
HK$8,491
baseline
▲ 0.50% · 4.625%
HK$8,939
+HK$448/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,982/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,690
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,960
−HK$275/mo
Today · 4.125%
HK$9,235
baseline
▲ 0.50% · 4.625%
HK$9,797
+HK$562/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,470/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,667
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,927
−HK$263/mo
Today · 4.125%
HK$10,190
baseline
▲ 0.50% · 4.625%
HK$10,727
+HK$537/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,380/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,138
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,454
−HK$320/mo
Today · 4.125%
HK$10,774
baseline
▲ 0.50% · 4.625%
HK$11,429
+HK$655/mo
Deposit HK$953K · loan HK$2.22M · min. income ≈ HK$21,548/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,279
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,581
−HK$307/mo
Today · 4.125%
HK$11,888
baseline
▲ 0.50% · 4.625%
HK$12,515
+HK$627/mo
Deposit HK$953K · loan HK$2.22M · min. income ≈ HK$23,776/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,035
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,440
−HK$412/mo
Today · 4.125%
HK$13,852
baseline
▲ 0.50% · 4.625%
HK$14,695
+HK$843/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$27,704/mo (50% DSR)
Upfront cash ≈ HK$318K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,501
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,890
−HK$395/mo
Today · 4.125%
HK$15,285
baseline
▲ 0.50% · 4.625%
HK$16,090
+HK$805/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$30,570/mo (50% DSR)
Upfront cash ≈ HK$318K (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).