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$6,994
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,212
−HK$221/mo
Today · 4.125%
HK$7,433
baseline
▲ 0.50% · 4.625%
HK$7,885
+HK$452/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,866/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,781
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,989
−HK$212/mo
Today · 4.125%
HK$8,201
baseline
▲ 0.50% · 4.625%
HK$8,633
+HK$432/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,402/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,393
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,654
−HK$265/mo
Today · 4.125%
HK$8,919
baseline
▲ 0.50% · 4.625%
HK$9,462
+HK$543/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,838/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,337
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,587
−HK$254/mo
Today · 4.125%
HK$9,841
baseline
▲ 0.50% · 4.625%
HK$10,360
+HK$519/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,682/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,792
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,096
−HK$310/mo
Today · 4.125%
HK$10,406
baseline
▲ 0.50% · 4.625%
HK$11,039
+HK$633/mo
Deposit HK$920K · loan HK$2.15M · min. income ≈ HK$20,812/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,893
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,185
−HK$297/mo
Today · 4.125%
HK$11,482
baseline
▲ 0.50% · 4.625%
HK$12,087
+HK$605/mo
Deposit HK$920K · loan HK$2.15M · min. income ≈ HK$22,964/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,589
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,981
−HK$398/mo
Today · 4.125%
HK$13,379
baseline
▲ 0.50% · 4.625%
HK$14,193
+HK$814/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$26,758/mo (50% DSR)
Upfront cash ≈ HK$307K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,005
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,381
−HK$381/mo
Today · 4.125%
HK$14,762
baseline
▲ 0.50% · 4.625%
HK$15,540
+HK$778/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$29,524/mo (50% DSR)
Upfront cash ≈ HK$307K (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).