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$7,453
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,685
−HK$235/mo
Today · 4.125%
HK$7,920
baseline
▲ 0.50% · 4.625%
HK$8,402
+HK$482/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,840/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,291
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,513
−HK$226/mo
Today · 4.125%
HK$8,739
baseline
▲ 0.50% · 4.625%
HK$9,200
+HK$461/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,478/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,943
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,221
−HK$283/mo
Today · 4.125%
HK$9,504
baseline
▲ 0.50% · 4.625%
HK$10,082
+HK$578/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$19,008/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,949
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,216
−HK$271/mo
Today · 4.125%
HK$10,487
baseline
▲ 0.50% · 4.625%
HK$11,040
+HK$553/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,974/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,434
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,758
−HK$330/mo
Today · 4.125%
HK$11,088
baseline
▲ 0.50% · 4.625%
HK$11,763
+HK$675/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$22,176/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,608
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,919
−HK$316/mo
Today · 4.125%
HK$12,235
baseline
▲ 0.50% · 4.625%
HK$12,880
+HK$645/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$24,470/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,415
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,832
−HK$424/mo
Today · 4.125%
HK$14,256
baseline
▲ 0.50% · 4.625%
HK$15,124
+HK$868/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$28,512/mo (50% DSR)
Upfront cash ≈ HK$327K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,924
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,324
−HK$406/mo
Today · 4.125%
HK$15,730
baseline
▲ 0.50% · 4.625%
HK$16,559
+HK$829/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,460/mo (50% DSR)
Upfront cash ≈ HK$327K (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).