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$7,021
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,239
−HK$222/mo
Today · 4.125%
HK$7,461
baseline
▲ 0.50% · 4.625%
HK$7,915
+HK$454/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,922/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,811
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,020
−HK$213/mo
Today · 4.125%
HK$8,233
baseline
▲ 0.50% · 4.625%
HK$8,667
+HK$434/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,466/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,425
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,687
−HK$267/mo
Today · 4.125%
HK$8,954
baseline
▲ 0.50% · 4.625%
HK$9,498
+HK$544/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,908/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,373
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,624
−HK$255/mo
Today · 4.125%
HK$9,879
baseline
▲ 0.50% · 4.625%
HK$10,400
+HK$521/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,758/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,829
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,135
−HK$311/mo
Today · 4.125%
HK$10,446
baseline
▲ 0.50% · 4.625%
HK$11,081
+HK$635/mo
Deposit HK$924K · loan HK$2.16M · min. income ≈ HK$20,892/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,935
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,228
−HK$298/mo
Today · 4.125%
HK$11,526
baseline
▲ 0.50% · 4.625%
HK$12,134
+HK$608/mo
Deposit HK$924K · loan HK$2.16M · min. income ≈ HK$23,052/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,638
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,031
−HK$399/mo
Today · 4.125%
HK$13,430
baseline
▲ 0.50% · 4.625%
HK$14,248
+HK$818/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,860/mo (50% DSR)
Upfront cash ≈ HK$308K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,060
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,437
−HK$382/mo
Today · 4.125%
HK$14,819
baseline
▲ 0.50% · 4.625%
HK$15,600
+HK$781/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,638/mo (50% DSR)
Upfront cash ≈ HK$308K (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).