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$6,761
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,971
−HK$214/mo
Today · 4.125%
HK$7,185
baseline
▲ 0.50% · 4.625%
HK$7,622
+HK$437/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,370/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$7,522
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,723
−HK$205/mo
Today · 4.125%
HK$7,928
baseline
▲ 0.50% · 4.625%
HK$8,346
+HK$418/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,856/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$8,113
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,366
−HK$256/mo
Today · 4.125%
HK$8,622
baseline
▲ 0.50% · 4.625%
HK$9,147
+HK$525/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,244/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,026
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,268
−HK$246/mo
Today · 4.125%
HK$9,514
baseline
▲ 0.50% · 4.625%
HK$10,015
+HK$501/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,028/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,465
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,760
−HK$299/mo
Today · 4.125%
HK$10,059
baseline
▲ 0.50% · 4.625%
HK$10,671
+HK$612/mo
Deposit HK$890K · loan HK$2.08M · min. income ≈ HK$20,118/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,530
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,813
−HK$286/mo
Today · 4.125%
HK$11,099
baseline
▲ 0.50% · 4.625%
HK$11,684
+HK$585/mo
Deposit HK$890K · loan HK$2.08M · min. income ≈ HK$22,198/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,170
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,548
−HK$385/mo
Today · 4.125%
HK$12,933
baseline
▲ 0.50% · 4.625%
HK$13,720
+HK$787/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$25,866/mo (50% DSR)
Upfront cash ≈ HK$297K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,539
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,902
−HK$368/mo
Today · 4.125%
HK$14,270
baseline
▲ 0.50% · 4.625%
HK$15,023
+HK$753/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$28,540/mo (50% DSR)
Upfront cash ≈ HK$297K (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).