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$6,909
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,123
−HK$219/mo
Today · 4.125%
HK$7,342
baseline
▲ 0.50% · 4.625%
HK$7,789
+HK$447/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,684/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,686
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,892
−HK$209/mo
Today · 4.125%
HK$8,101
baseline
▲ 0.50% · 4.625%
HK$8,528
+HK$427/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,202/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,290
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,548
−HK$262/mo
Today · 4.125%
HK$8,810
baseline
▲ 0.50% · 4.625%
HK$9,346
+HK$536/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,620/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,223
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,470
−HK$251/mo
Today · 4.125%
HK$9,721
baseline
▲ 0.50% · 4.625%
HK$10,234
+HK$513/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,442/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,672
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,973
−HK$306/mo
Today · 4.125%
HK$10,279
baseline
▲ 0.50% · 4.625%
HK$10,904
+HK$625/mo
Deposit HK$909K · loan HK$2.12M · min. income ≈ HK$20,558/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,760
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,049
−HK$292/mo
Today · 4.125%
HK$11,341
baseline
▲ 0.50% · 4.625%
HK$11,939
+HK$598/mo
Deposit HK$909K · loan HK$2.12M · min. income ≈ HK$22,682/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,435
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,822
−HK$393/mo
Today · 4.125%
HK$13,215
baseline
▲ 0.50% · 4.625%
HK$14,019
+HK$804/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$26,430/mo (50% DSR)
Upfront cash ≈ HK$303K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,834
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,205
−HK$377/mo
Today · 4.125%
HK$14,582
baseline
▲ 0.50% · 4.625%
HK$15,350
+HK$768/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$29,164/mo (50% DSR)
Upfront cash ≈ HK$303K (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).