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$7,462
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,694
−HK$236/mo
Today · 4.125%
HK$7,930
baseline
▲ 0.50% · 4.625%
HK$8,412
+HK$482/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,860/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,301
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,524
−HK$226/mo
Today · 4.125%
HK$8,750
baseline
▲ 0.50% · 4.625%
HK$9,211
+HK$461/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,500/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,954
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,233
−HK$283/mo
Today · 4.125%
HK$9,516
baseline
▲ 0.50% · 4.625%
HK$10,095
+HK$579/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$19,032/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,962
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,229
−HK$271/mo
Today · 4.125%
HK$10,500
baseline
▲ 0.50% · 4.625%
HK$11,053
+HK$553/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$21,000/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,447
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,772
−HK$330/mo
Today · 4.125%
HK$11,102
baseline
▲ 0.50% · 4.625%
HK$11,777
+HK$675/mo
Deposit HK$982K · loan HK$2.29M · min. income ≈ HK$22,204/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,622
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,934
−HK$316/mo
Today · 4.125%
HK$12,250
baseline
▲ 0.50% · 4.625%
HK$12,896
+HK$646/mo
Deposit HK$982K · loan HK$2.29M · min. income ≈ HK$24,500/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,432
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,849
−HK$425/mo
Today · 4.125%
HK$14,274
baseline
▲ 0.50% · 4.625%
HK$15,142
+HK$868/mo
Deposit HK$327K · loan HK$2.95M · min. income ≈ HK$28,548/mo (50% DSR)
Upfront cash ≈ HK$327K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,942
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,343
−HK$407/mo
Today · 4.125%
HK$15,750
baseline
▲ 0.50% · 4.625%
HK$16,580
+HK$830/mo
Deposit HK$327K · loan HK$2.95M · min. income ≈ HK$31,500/mo (50% DSR)
Upfront cash ≈ HK$327K (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).