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$7,264
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,490
−HK$230/mo
Today · 4.125%
HK$7,720
baseline
▲ 0.50% · 4.625%
HK$8,190
+HK$470/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,440/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,082
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,298
−HK$220/mo
Today · 4.125%
HK$8,518
baseline
▲ 0.50% · 4.625%
HK$8,967
+HK$449/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$17,036/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,717
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,989
−HK$275/mo
Today · 4.125%
HK$9,264
baseline
▲ 0.50% · 4.625%
HK$9,828
+HK$564/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,528/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,698
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,958
−HK$264/mo
Today · 4.125%
HK$10,222
baseline
▲ 0.50% · 4.625%
HK$10,761
+HK$539/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,444/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,170
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,487
−HK$321/mo
Today · 4.125%
HK$10,808
baseline
▲ 0.50% · 4.625%
HK$11,466
+HK$658/mo
Deposit HK$956K · loan HK$2.23M · min. income ≈ HK$21,616/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,314
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,618
−HK$308/mo
Today · 4.125%
HK$11,926
baseline
▲ 0.50% · 4.625%
HK$12,554
+HK$628/mo
Deposit HK$956K · loan HK$2.23M · min. income ≈ HK$23,852/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,076
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,483
−HK$413/mo
Today · 4.125%
HK$13,896
baseline
▲ 0.50% · 4.625%
HK$14,742
+HK$846/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$27,792/mo (50% DSR)
Upfront cash ≈ HK$319K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,547
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,937
−HK$396/mo
Today · 4.125%
HK$15,333
baseline
▲ 0.50% · 4.625%
HK$16,141
+HK$808/mo
Deposit HK$319K · loan HK$2.87M · min. income ≈ HK$30,666/mo (50% DSR)
Upfront cash ≈ HK$319K (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).