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$468/mo
▼ 0.25% · 3.875%
HK$7,685
−HK$236/mo
Today · 4.125%
HK$7,921
baseline
▲ 0.50% · 4.625%
HK$8,403
+HK$482/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,842/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$8,292
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,514
−HK$226/mo
Today · 4.125%
HK$8,740
baseline
▲ 0.50% · 4.625%
HK$9,200
+HK$460/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,480/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$8,944
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,222
−HK$283/mo
Today · 4.125%
HK$9,505
baseline
▲ 0.50% · 4.625%
HK$10,083
+HK$578/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$19,010/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$9,950
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,217
−HK$271/mo
Today · 4.125%
HK$10,488
baseline
▲ 0.50% · 4.625%
HK$11,041
+HK$553/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,976/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$10,435
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,759
−HK$330/mo
Today · 4.125%
HK$11,089
baseline
▲ 0.50% · 4.625%
HK$11,764
+HK$675/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$22,178/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$11,609
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,920
−HK$316/mo
Today · 4.125%
HK$12,236
baseline
▲ 0.50% · 4.625%
HK$12,881
+HK$645/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$24,472/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$13,416
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,833
−HK$424/mo
Today · 4.125%
HK$14,257
baseline
▲ 0.50% · 4.625%
HK$15,125
+HK$868/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$28,514/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$14,925
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,326
−HK$406/mo
Today · 4.125%
HK$15,732
baseline
▲ 0.50% · 4.625%
HK$16,561
+HK$829/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,464/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).