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$6,857
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,070
−HK$217/mo
Today · 4.125%
HK$7,287
baseline
▲ 0.50% · 4.625%
HK$7,730
+HK$443/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,574/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,628
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,833
−HK$207/mo
Today · 4.125%
HK$8,040
baseline
▲ 0.50% · 4.625%
HK$8,464
+HK$424/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,080/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,228
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,484
−HK$260/mo
Today · 4.125%
HK$8,744
baseline
▲ 0.50% · 4.625%
HK$9,276
+HK$532/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,488/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,154
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,399
−HK$249/mo
Today · 4.125%
HK$9,648
baseline
▲ 0.50% · 4.625%
HK$10,157
+HK$509/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,296/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,600
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,898
−HK$304/mo
Today · 4.125%
HK$10,202
baseline
▲ 0.50% · 4.625%
HK$10,822
+HK$620/mo
Deposit HK$902K · loan HK$2.10M · min. income ≈ HK$20,404/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,679
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,966
−HK$290/mo
Today · 4.125%
HK$11,256
baseline
▲ 0.50% · 4.625%
HK$11,850
+HK$594/mo
Deposit HK$902K · loan HK$2.10M · min. income ≈ HK$22,512/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,342
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,726
−HK$390/mo
Today · 4.125%
HK$13,116
baseline
▲ 0.50% · 4.625%
HK$13,914
+HK$798/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,232/mo (50% DSR)
Upfront cash ≈ HK$301K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,731
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,099
−HK$374/mo
Today · 4.125%
HK$14,473
baseline
▲ 0.50% · 4.625%
HK$15,235
+HK$762/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$28,946/mo (50% DSR)
Upfront cash ≈ HK$301K (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).