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$7,263
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,489
−HK$230/mo
Today · 4.125%
HK$7,719
baseline
▲ 0.50% · 4.625%
HK$8,189
+HK$470/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,438/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,080
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,297
−HK$220/mo
Today · 4.125%
HK$8,517
baseline
▲ 0.50% · 4.625%
HK$8,966
+HK$449/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,034/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,716
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,987
−HK$276/mo
Today · 4.125%
HK$9,263
baseline
▲ 0.50% · 4.625%
HK$9,826
+HK$563/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,526/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,697
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,957
−HK$263/mo
Today · 4.125%
HK$10,220
baseline
▲ 0.50% · 4.625%
HK$10,759
+HK$539/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,440/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,169
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,485
−HK$321/mo
Today · 4.125%
HK$10,806
baseline
▲ 0.50% · 4.625%
HK$11,464
+HK$658/mo
Deposit HK$956K · loan HK$2.23M · min. income ≈ HK$21,612/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,313
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,616
−HK$308/mo
Today · 4.125%
HK$11,924
baseline
▲ 0.50% · 4.625%
HK$12,552
+HK$628/mo
Deposit HK$956K · loan HK$2.23M · min. income ≈ HK$23,848/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,074
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,481
−HK$413/mo
Today · 4.125%
HK$13,894
baseline
▲ 0.50% · 4.625%
HK$14,739
+HK$845/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,788/mo (50% DSR)
Upfront cash ≈ HK$319K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,545
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,935
−HK$396/mo
Today · 4.125%
HK$15,331
baseline
▲ 0.50% · 4.625%
HK$16,139
+HK$808/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,662/mo (50% DSR)
Upfront cash ≈ HK$319K (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).