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$7,370
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,599
−HK$233/mo
Today · 4.125%
HK$7,832
baseline
▲ 0.50% · 4.625%
HK$8,309
+HK$477/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,664/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,199
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,419
−HK$223/mo
Today · 4.125%
HK$8,642
baseline
▲ 0.50% · 4.625%
HK$9,098
+HK$456/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,284/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,844
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,119
−HK$280/mo
Today · 4.125%
HK$9,399
baseline
▲ 0.50% · 4.625%
HK$9,971
+HK$572/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,798/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,839
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,103
−HK$267/mo
Today · 4.125%
HK$10,370
baseline
▲ 0.50% · 4.625%
HK$10,917
+HK$547/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,740/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,318
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,639
−HK$326/mo
Today · 4.125%
HK$10,965
baseline
▲ 0.50% · 4.625%
HK$11,632
+HK$667/mo
Deposit HK$970K · loan HK$2.26M · min. income ≈ HK$21,930/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,479
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,787
−HK$312/mo
Today · 4.125%
HK$12,099
baseline
▲ 0.50% · 4.625%
HK$12,737
+HK$638/mo
Deposit HK$970K · loan HK$2.26M · min. income ≈ HK$24,198/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,266
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,679
−HK$419/mo
Today · 4.125%
HK$14,098
baseline
▲ 0.50% · 4.625%
HK$14,956
+HK$858/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$28,196/mo (50% DSR)
Upfront cash ≈ HK$323K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,758
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,154
−HK$402/mo
Today · 4.125%
HK$15,556
baseline
▲ 0.50% · 4.625%
HK$16,376
+HK$820/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$31,112/mo (50% DSR)
Upfront cash ≈ HK$323K (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).