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$6,743
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,953
−HK$213/mo
Today · 4.125%
HK$7,166
baseline
▲ 0.50% · 4.625%
HK$7,602
+HK$436/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,332/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,501
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,702
−HK$205/mo
Today · 4.125%
HK$7,907
baseline
▲ 0.50% · 4.625%
HK$8,323
+HK$416/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,814/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,091
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,343
−HK$256/mo
Today · 4.125%
HK$8,599
baseline
▲ 0.50% · 4.625%
HK$9,122
+HK$523/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,198/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,002
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,243
−HK$245/mo
Today · 4.125%
HK$9,488
baseline
▲ 0.50% · 4.625%
HK$9,988
+HK$500/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,976/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,440
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,734
−HK$298/mo
Today · 4.125%
HK$10,032
baseline
▲ 0.50% · 4.625%
HK$10,642
+HK$610/mo
Deposit HK$887K · loan HK$2.07M · min. income ≈ HK$20,064/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,502
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,783
−HK$286/mo
Today · 4.125%
HK$11,069
baseline
▲ 0.50% · 4.625%
HK$11,653
+HK$584/mo
Deposit HK$887K · loan HK$2.07M · min. income ≈ HK$22,138/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,137
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,515
−HK$383/mo
Today · 4.125%
HK$12,898
baseline
▲ 0.50% · 4.625%
HK$13,683
+HK$785/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$25,796/mo (50% DSR)
Upfront cash ≈ HK$296K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,502
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,864
−HK$368/mo
Today · 4.125%
HK$14,232
baseline
▲ 0.50% · 4.625%
HK$14,982
+HK$750/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$28,464/mo (50% DSR)
Upfront cash ≈ HK$296K (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).