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$6,389
−HK$401/mo
▼ 0.25% · 3.875%
HK$6,588
−HK$202/mo
Today · 4.125%
HK$6,790
baseline
▲ 0.50% · 4.625%
HK$7,203
+HK$413/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,580/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,108
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,298
−HK$194/mo
Today · 4.125%
HK$7,492
baseline
▲ 0.50% · 4.625%
HK$7,886
+HK$394/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,984/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,667
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,905
−HK$242/mo
Today · 4.125%
HK$8,147
baseline
▲ 0.50% · 4.625%
HK$8,643
+HK$496/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,294/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,529
−HK$461/mo
▼ 0.25% · 3.875%
HK$8,758
−HK$232/mo
Today · 4.125%
HK$8,990
baseline
▲ 0.50% · 4.625%
HK$9,464
+HK$474/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,980/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,944
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,223
−HK$282/mo
Today · 4.125%
HK$9,505
baseline
▲ 0.50% · 4.625%
HK$10,084
+HK$579/mo
Deposit HK$841K · loan HK$1.96M · min. income ≈ HK$19,010/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,951
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,217
−HK$271/mo
Today · 4.125%
HK$10,488
baseline
▲ 0.50% · 4.625%
HK$11,041
+HK$553/mo
Deposit HK$841K · loan HK$1.96M · min. income ≈ HK$20,976/mo (50% DSR)
Upfront cash ≈ HK$841K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,500
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,858
−HK$363/mo
Today · 4.125%
HK$12,221
baseline
▲ 0.50% · 4.625%
HK$12,965
+HK$744/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$24,442/mo (50% DSR)
Upfront cash ≈ HK$280K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,794
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,137
−HK$348/mo
Today · 4.125%
HK$13,485
baseline
▲ 0.50% · 4.625%
HK$14,196
+HK$711/mo
Deposit HK$280K · loan HK$2.52M · min. income ≈ HK$26,970/mo (50% DSR)
Upfront cash ≈ HK$280K (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).