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$6,591
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,796
−HK$209/mo
Today · 4.125%
HK$7,005
baseline
▲ 0.50% · 4.625%
HK$7,431
+HK$426/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,010/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,333
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,529
−HK$200/mo
Today · 4.125%
HK$7,729
baseline
▲ 0.50% · 4.625%
HK$8,136
+HK$407/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,458/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,910
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,156
−HK$249/mo
Today · 4.125%
HK$8,405
baseline
▲ 0.50% · 4.625%
HK$8,917
+HK$512/mo
Deposit HK$1.16M · loan HK$1.73M · min. income ≈ HK$16,810/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,799
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,035
−HK$240/mo
Today · 4.125%
HK$9,275
baseline
▲ 0.50% · 4.625%
HK$9,764
+HK$489/mo
Deposit HK$1.16M · loan HK$1.73M · min. income ≈ HK$18,550/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,228
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,515
−HK$291/mo
Today · 4.125%
HK$9,806
baseline
▲ 0.50% · 4.625%
HK$10,403
+HK$597/mo
Deposit HK$867K · loan HK$2.02M · min. income ≈ HK$19,612/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,266
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,541
−HK$279/mo
Today · 4.125%
HK$10,820
baseline
▲ 0.50% · 4.625%
HK$11,391
+HK$571/mo
Deposit HK$867K · loan HK$2.02M · min. income ≈ HK$21,640/mo (50% DSR)
Upfront cash ≈ HK$867K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,864
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,233
−HK$375/mo
Today · 4.125%
HK$12,608
baseline
▲ 0.50% · 4.625%
HK$13,375
+HK$767/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$25,216/mo (50% DSR)
Upfront cash ≈ HK$289K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,199
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,553
−HK$359/mo
Today · 4.125%
HK$13,912
baseline
▲ 0.50% · 4.625%
HK$14,645
+HK$733/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$27,824/mo (50% DSR)
Upfront cash ≈ HK$289K (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).