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$7,557
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,792
−HK$238/mo
Today · 4.125%
HK$8,030
baseline
▲ 0.50% · 4.625%
HK$8,519
+HK$489/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,060/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,407
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,632
−HK$229/mo
Today · 4.125%
HK$8,861
baseline
▲ 0.50% · 4.625%
HK$9,328
+HK$467/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,722/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,068
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,350
−HK$286/mo
Today · 4.125%
HK$9,636
baseline
▲ 0.50% · 4.625%
HK$10,223
+HK$587/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,272/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,088
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,358
−HK$275/mo
Today · 4.125%
HK$10,633
baseline
▲ 0.50% · 4.625%
HK$11,193
+HK$560/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,266/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,579
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,908
−HK$335/mo
Today · 4.125%
HK$11,243
baseline
▲ 0.50% · 4.625%
HK$11,927
+HK$684/mo
Deposit HK$994K · loan HK$2.32M · min. income ≈ HK$22,486/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,769
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,085
−HK$320/mo
Today · 4.125%
HK$12,405
baseline
▲ 0.50% · 4.625%
HK$13,059
+HK$654/mo
Deposit HK$994K · loan HK$2.32M · min. income ≈ HK$24,810/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,602
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,025
−HK$430/mo
Today · 4.125%
HK$14,455
baseline
▲ 0.50% · 4.625%
HK$15,334
+HK$879/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,910/mo (50% DSR)
Upfront cash ≈ HK$331K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,132
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,538
−HK$411/mo
Today · 4.125%
HK$15,949
baseline
▲ 0.50% · 4.625%
HK$16,790
+HK$841/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,898/mo (50% DSR)
Upfront cash ≈ HK$331K (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).