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$7,381
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,610
−HK$234/mo
Today · 4.125%
HK$7,844
baseline
▲ 0.50% · 4.625%
HK$8,321
+HK$477/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,688/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,211
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,431
−HK$224/mo
Today · 4.125%
HK$8,655
baseline
▲ 0.50% · 4.625%
HK$9,111
+HK$456/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,310/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,857
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,132
−HK$280/mo
Today · 4.125%
HK$9,412
baseline
▲ 0.50% · 4.625%
HK$9,985
+HK$573/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,824/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,853
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,117
−HK$269/mo
Today · 4.125%
HK$10,386
baseline
▲ 0.50% · 4.625%
HK$10,933
+HK$547/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,772/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,333
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,654
−HK$327/mo
Today · 4.125%
HK$10,981
baseline
▲ 0.50% · 4.625%
HK$11,649
+HK$668/mo
Deposit HK$971K · loan HK$2.27M · min. income ≈ HK$21,962/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,495
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,804
−HK$313/mo
Today · 4.125%
HK$12,117
baseline
▲ 0.50% · 4.625%
HK$12,755
+HK$638/mo
Deposit HK$971K · loan HK$2.27M · min. income ≈ HK$24,234/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,285
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,699
−HK$419/mo
Today · 4.125%
HK$14,118
baseline
▲ 0.50% · 4.625%
HK$14,978
+HK$860/mo
Deposit HK$324K · loan HK$2.91M · min. income ≈ HK$28,236/mo (50% DSR)
Upfront cash ≈ HK$324K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,780
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,176
−HK$402/mo
Today · 4.125%
HK$15,578
baseline
▲ 0.50% · 4.625%
HK$16,400
+HK$822/mo
Deposit HK$324K · loan HK$2.91M · min. income ≈ HK$31,156/mo (50% DSR)
Upfront cash ≈ HK$324K (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).