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$7,359
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,588
−HK$232/mo
Today · 4.125%
HK$7,820
baseline
▲ 0.50% · 4.625%
HK$8,296
+HK$476/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,640/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,187
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,406
−HK$223/mo
Today · 4.125%
HK$8,629
baseline
▲ 0.50% · 4.625%
HK$9,084
+HK$455/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,258/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,831
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,105
−HK$279/mo
Today · 4.125%
HK$9,384
baseline
▲ 0.50% · 4.625%
HK$9,955
+HK$571/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,768/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$9,824
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,088
−HK$267/mo
Today · 4.125%
HK$10,355
baseline
▲ 0.50% · 4.625%
HK$10,901
+HK$546/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,710/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$10,302
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,623
−HK$326/mo
Today · 4.125%
HK$10,949
baseline
▲ 0.50% · 4.625%
HK$11,615
+HK$666/mo
Deposit HK$968K · loan HK$2.26M · min. income ≈ HK$21,898/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,461
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,769
−HK$312/mo
Today · 4.125%
HK$12,081
baseline
▲ 0.50% · 4.625%
HK$12,717
+HK$636/mo
Deposit HK$968K · loan HK$2.26M · min. income ≈ HK$24,162/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,246
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,658
−HK$419/mo
Today · 4.125%
HK$14,077
baseline
▲ 0.50% · 4.625%
HK$14,933
+HK$856/mo
Deposit HK$323K · loan HK$2.90M · min. income ≈ HK$28,154/mo (50% DSR)
Upfront cash ≈ HK$323K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,736
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,131
−HK$401/mo
Today · 4.125%
HK$15,532
baseline
▲ 0.50% · 4.625%
HK$16,351
+HK$819/mo
Deposit HK$323K · loan HK$2.90M · min. income ≈ HK$31,064/mo (50% DSR)
Upfront cash ≈ HK$323K (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).