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$7,556
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,791
−HK$238/mo
Today · 4.125%
HK$8,029
baseline
▲ 0.50% · 4.625%
HK$8,518
+HK$489/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,058/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,405
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,631
−HK$229/mo
Today · 4.125%
HK$8,860
baseline
▲ 0.50% · 4.625%
HK$9,327
+HK$467/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,720/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,067
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,349
−HK$286/mo
Today · 4.125%
HK$9,635
baseline
▲ 0.50% · 4.625%
HK$10,221
+HK$586/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,270/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,087
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,357
−HK$274/mo
Today · 4.125%
HK$10,631
baseline
▲ 0.50% · 4.625%
HK$11,192
+HK$561/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,262/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,578
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,907
−HK$334/mo
Today · 4.125%
HK$11,241
baseline
▲ 0.50% · 4.625%
HK$11,925
+HK$684/mo
Deposit HK$994K · loan HK$2.32M · min. income ≈ HK$22,482/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,768
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,083
−HK$320/mo
Today · 4.125%
HK$12,403
baseline
▲ 0.50% · 4.625%
HK$13,057
+HK$654/mo
Deposit HK$994K · loan HK$2.32M · min. income ≈ HK$24,806/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,600
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,023
−HK$430/mo
Today · 4.125%
HK$14,453
baseline
▲ 0.50% · 4.625%
HK$15,332
+HK$879/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,906/mo (50% DSR)
Upfront cash ≈ HK$331K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,130
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,536
−HK$411/mo
Today · 4.125%
HK$15,947
baseline
▲ 0.50% · 4.625%
HK$16,788
+HK$841/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,894/mo (50% DSR)
Upfront cash ≈ HK$331K (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).