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$7,431
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,663
−HK$234/mo
Today · 4.125%
HK$7,897
baseline
▲ 0.50% · 4.625%
HK$8,378
+HK$481/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,794/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$8,267
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,489
−HK$225/mo
Today · 4.125%
HK$8,714
baseline
▲ 0.50% · 4.625%
HK$9,173
+HK$459/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,428/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$8,918
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,195
−HK$282/mo
Today · 4.125%
HK$9,477
baseline
▲ 0.50% · 4.625%
HK$10,054
+HK$577/mo
Deposit HK$1.30M · loan HK$1.96M · min. income ≈ HK$18,954/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$9,921
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,187
−HK$270/mo
Today · 4.125%
HK$10,457
baseline
▲ 0.50% · 4.625%
HK$11,008
+HK$551/mo
Deposit HK$1.30M · loan HK$1.96M · min. income ≈ HK$20,914/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$10,404
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,728
−HK$328/mo
Today · 4.125%
HK$11,056
baseline
▲ 0.50% · 4.625%
HK$11,729
+HK$673/mo
Deposit HK$978K · loan HK$2.28M · min. income ≈ HK$22,112/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,574
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,885
−HK$315/mo
Today · 4.125%
HK$12,200
baseline
▲ 0.50% · 4.625%
HK$12,843
+HK$643/mo
Deposit HK$978K · loan HK$2.28M · min. income ≈ HK$24,400/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,377
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,793
−HK$422/mo
Today · 4.125%
HK$14,215
baseline
▲ 0.50% · 4.625%
HK$15,080
+HK$865/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$28,430/mo (50% DSR)
Upfront cash ≈ HK$326K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,881
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,280
−HK$405/mo
Today · 4.125%
HK$15,685
baseline
▲ 0.50% · 4.625%
HK$16,512
+HK$827/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$31,370/mo (50% DSR)
Upfront cash ≈ HK$326K (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).