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$6,563
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,767
−HK$207/mo
Today · 4.125%
HK$6,974
baseline
▲ 0.50% · 4.625%
HK$7,398
+HK$424/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,948/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,301
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,497
−HK$198/mo
Today · 4.125%
HK$7,695
baseline
▲ 0.50% · 4.625%
HK$8,101
+HK$406/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,390/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,875
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,120
−HK$249/mo
Today · 4.125%
HK$8,369
baseline
▲ 0.50% · 4.625%
HK$8,878
+HK$509/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,738/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,761
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,996
−HK$238/mo
Today · 4.125%
HK$9,234
baseline
▲ 0.50% · 4.625%
HK$9,721
+HK$487/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,468/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,188
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,473
−HK$291/mo
Today · 4.125%
HK$9,764
baseline
▲ 0.50% · 4.625%
HK$10,358
+HK$594/mo
Deposit HK$863K · loan HK$2.01M · min. income ≈ HK$19,528/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,221
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,495
−HK$278/mo
Today · 4.125%
HK$10,773
baseline
▲ 0.50% · 4.625%
HK$11,341
+HK$568/mo
Deposit HK$863K · loan HK$2.01M · min. income ≈ HK$21,546/mo (50% DSR)
Upfront cash ≈ HK$863K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,813
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,180
−HK$373/mo
Today · 4.125%
HK$12,553
baseline
▲ 0.50% · 4.625%
HK$13,317
+HK$764/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,106/mo (50% DSR)
Upfront cash ≈ HK$288K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,141
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,494
−HK$357/mo
Today · 4.125%
HK$13,851
baseline
▲ 0.50% · 4.625%
HK$14,581
+HK$730/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,702/mo (50% DSR)
Upfront cash ≈ HK$288K (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).