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$6,925
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,140
−HK$219/mo
Today · 4.125%
HK$7,359
baseline
▲ 0.50% · 4.625%
HK$7,807
+HK$448/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,718/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,704
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,911
−HK$209/mo
Today · 4.125%
HK$8,120
baseline
▲ 0.50% · 4.625%
HK$8,548
+HK$428/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,240/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,310
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,568
−HK$263/mo
Today · 4.125%
HK$8,831
baseline
▲ 0.50% · 4.625%
HK$9,368
+HK$537/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,662/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,245
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,493
−HK$251/mo
Today · 4.125%
HK$9,744
baseline
▲ 0.50% · 4.625%
HK$10,258
+HK$514/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,488/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,695
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,996
−HK$307/mo
Today · 4.125%
HK$10,303
baseline
▲ 0.50% · 4.625%
HK$10,930
+HK$627/mo
Deposit HK$911K · loan HK$2.13M · min. income ≈ HK$20,606/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,785
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,075
−HK$293/mo
Today · 4.125%
HK$11,368
baseline
▲ 0.50% · 4.625%
HK$11,967
+HK$599/mo
Deposit HK$911K · loan HK$2.13M · min. income ≈ HK$22,736/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,465
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,853
−HK$394/mo
Today · 4.125%
HK$13,247
baseline
▲ 0.50% · 4.625%
HK$14,053
+HK$806/mo
Deposit HK$304K · loan HK$2.73M · min. income ≈ HK$26,494/mo (50% DSR)
Upfront cash ≈ HK$304K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,867
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,239
−HK$377/mo
Today · 4.125%
HK$14,616
baseline
▲ 0.50% · 4.625%
HK$15,387
+HK$771/mo
Deposit HK$304K · loan HK$2.73M · min. income ≈ HK$29,232/mo (50% DSR)
Upfront cash ≈ HK$304K (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).