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$6,866
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,080
−HK$217/mo
Today · 4.125%
HK$7,297
baseline
▲ 0.50% · 4.625%
HK$7,741
+HK$444/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,594/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$7,639
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,844
−HK$207/mo
Today · 4.125%
HK$8,051
baseline
▲ 0.50% · 4.625%
HK$8,476
+HK$425/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,102/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$8,240
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,496
−HK$260/mo
Today · 4.125%
HK$8,756
baseline
▲ 0.50% · 4.625%
HK$9,289
+HK$533/mo
Deposit HK$1.20M · loan HK$1.81M · min. income ≈ HK$17,512/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$9,166
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,412
−HK$250/mo
Today · 4.125%
HK$9,662
baseline
▲ 0.50% · 4.625%
HK$10,171
+HK$509/mo
Deposit HK$1.20M · loan HK$1.81M · min. income ≈ HK$19,324/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$9,613
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,912
−HK$304/mo
Today · 4.125%
HK$10,216
baseline
▲ 0.50% · 4.625%
HK$10,837
+HK$621/mo
Deposit HK$903K · loan HK$2.11M · min. income ≈ HK$20,432/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,694
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,981
−HK$291/mo
Today · 4.125%
HK$11,272
baseline
▲ 0.50% · 4.625%
HK$11,866
+HK$594/mo
Deposit HK$903K · loan HK$2.11M · min. income ≈ HK$22,544/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,359
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,744
−HK$390/mo
Today · 4.125%
HK$13,134
baseline
▲ 0.50% · 4.625%
HK$13,934
+HK$800/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,268/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$13,750
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,118
−HK$374/mo
Today · 4.125%
HK$14,492
baseline
▲ 0.50% · 4.625%
HK$15,256
+HK$764/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$28,984/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).