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$7,419
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,649
−HK$235/mo
Today · 4.125%
HK$7,884
baseline
▲ 0.50% · 4.625%
HK$8,363
+HK$479/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,768/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$8,253
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,474
−HK$225/mo
Today · 4.125%
HK$8,699
baseline
▲ 0.50% · 4.625%
HK$9,158
+HK$459/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,398/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$8,902
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,179
−HK$282/mo
Today · 4.125%
HK$9,461
baseline
▲ 0.50% · 4.625%
HK$10,036
+HK$575/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,922/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,904
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,169
−HK$270/mo
Today · 4.125%
HK$10,439
baseline
▲ 0.50% · 4.625%
HK$10,989
+HK$550/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,878/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,386
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,709
−HK$328/mo
Today · 4.125%
HK$11,037
baseline
▲ 0.50% · 4.625%
HK$11,709
+HK$672/mo
Deposit HK$976K · loan HK$2.28M · min. income ≈ HK$22,074/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,554
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,864
−HK$315/mo
Today · 4.125%
HK$12,179
baseline
▲ 0.50% · 4.625%
HK$12,821
+HK$642/mo
Deposit HK$976K · loan HK$2.28M · min. income ≈ HK$24,358/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,353
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,769
−HK$422/mo
Today · 4.125%
HK$14,191
baseline
▲ 0.50% · 4.625%
HK$15,054
+HK$863/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$28,382/mo (50% DSR)
Upfront cash ≈ HK$325K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,856
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,254
−HK$404/mo
Today · 4.125%
HK$15,658
baseline
▲ 0.50% · 4.625%
HK$16,484
+HK$826/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$31,316/mo (50% DSR)
Upfront cash ≈ HK$325K (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).