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$7,286
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,512
−HK$231/mo
Today · 4.125%
HK$7,743
baseline
▲ 0.50% · 4.625%
HK$8,214
+HK$471/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,486/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,105
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,323
−HK$220/mo
Today · 4.125%
HK$8,543
baseline
▲ 0.50% · 4.625%
HK$8,994
+HK$451/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,086/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,743
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,015
−HK$276/mo
Today · 4.125%
HK$9,291
baseline
▲ 0.50% · 4.625%
HK$9,857
+HK$566/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,582/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,726
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,987
−HK$265/mo
Today · 4.125%
HK$10,252
baseline
▲ 0.50% · 4.625%
HK$10,792
+HK$540/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,504/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,200
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,517
−HK$323/mo
Today · 4.125%
HK$10,840
baseline
▲ 0.50% · 4.625%
HK$11,499
+HK$659/mo
Deposit HK$959K · loan HK$2.24M · min. income ≈ HK$21,680/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,348
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,652
−HK$309/mo
Today · 4.125%
HK$11,961
baseline
▲ 0.50% · 4.625%
HK$12,591
+HK$630/mo
Deposit HK$959K · loan HK$2.24M · min. income ≈ HK$23,922/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,114
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,522
−HK$415/mo
Today · 4.125%
HK$13,937
baseline
▲ 0.50% · 4.625%
HK$14,785
+HK$848/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,874/mo (50% DSR)
Upfront cash ≈ HK$320K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,590
−HK$788/mo
▼ 0.25% · 3.875%
HK$14,981
−HK$397/mo
Today · 4.125%
HK$15,378
baseline
▲ 0.50% · 4.625%
HK$16,189
+HK$811/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,756/mo (50% DSR)
Upfront cash ≈ HK$320K (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).