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$7,384
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,614
−HK$233/mo
Today · 4.125%
HK$7,847
baseline
▲ 0.50% · 4.625%
HK$8,325
+HK$478/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,694/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$8,215
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,435
−HK$223/mo
Today · 4.125%
HK$8,658
baseline
▲ 0.50% · 4.625%
HK$9,115
+HK$457/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,316/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$8,861
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,136
−HK$280/mo
Today · 4.125%
HK$9,416
baseline
▲ 0.50% · 4.625%
HK$9,989
+HK$573/mo
Deposit HK$1.30M · loan HK$1.94M · min. income ≈ HK$18,832/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$9,858
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,122
−HK$268/mo
Today · 4.125%
HK$10,390
baseline
▲ 0.50% · 4.625%
HK$10,938
+HK$548/mo
Deposit HK$1.30M · loan HK$1.94M · min. income ≈ HK$20,780/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$10,338
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,659
−HK$327/mo
Today · 4.125%
HK$10,986
baseline
▲ 0.50% · 4.625%
HK$11,654
+HK$668/mo
Deposit HK$971K · loan HK$2.27M · min. income ≈ HK$21,972/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,500
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,809
−HK$313/mo
Today · 4.125%
HK$12,122
baseline
▲ 0.50% · 4.625%
HK$12,761
+HK$639/mo
Deposit HK$971K · loan HK$2.27M · min. income ≈ HK$24,244/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,291
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,705
−HK$420/mo
Today · 4.125%
HK$14,125
baseline
▲ 0.50% · 4.625%
HK$14,984
+HK$859/mo
Deposit HK$324K · loan HK$2.91M · min. income ≈ HK$28,250/mo (50% DSR)
Upfront cash ≈ HK$324K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,786
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,183
−HK$402/mo
Today · 4.125%
HK$15,585
baseline
▲ 0.50% · 4.625%
HK$16,407
+HK$822/mo
Deposit HK$324K · loan HK$2.91M · min. income ≈ HK$31,170/mo (50% DSR)
Upfront cash ≈ HK$324K (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).