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$7,514
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,748
−HK$237/mo
Today · 4.125%
HK$7,985
baseline
▲ 0.50% · 4.625%
HK$8,471
+HK$486/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,970/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,360
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,584
−HK$227/mo
Today · 4.125%
HK$8,811
baseline
▲ 0.50% · 4.625%
HK$9,276
+HK$465/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,622/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,017
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,298
−HK$285/mo
Today · 4.125%
HK$9,583
baseline
▲ 0.50% · 4.625%
HK$10,166
+HK$583/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,166/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,031
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,300
−HK$273/mo
Today · 4.125%
HK$10,573
baseline
▲ 0.50% · 4.625%
HK$11,131
+HK$558/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,146/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,520
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,847
−HK$333/mo
Today · 4.125%
HK$11,180
baseline
▲ 0.50% · 4.625%
HK$11,860
+HK$680/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$22,360/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,703
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,017
−HK$319/mo
Today · 4.125%
HK$12,336
baseline
▲ 0.50% · 4.625%
HK$12,986
+HK$650/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$24,672/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,526
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,946
−HK$428/mo
Today · 4.125%
HK$14,374
baseline
▲ 0.50% · 4.625%
HK$15,248
+HK$874/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,748/mo (50% DSR)
Upfront cash ≈ HK$330K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,047
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,451
−HK$409/mo
Today · 4.125%
HK$15,860
baseline
▲ 0.50% · 4.625%
HK$16,696
+HK$836/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,720/mo (50% DSR)
Upfront cash ≈ HK$330K (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).