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$6,932
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,148
−HK$219/mo
Today · 4.125%
HK$7,367
baseline
▲ 0.50% · 4.625%
HK$7,815
+HK$448/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,734/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,712
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,919
−HK$210/mo
Today · 4.125%
HK$8,129
baseline
▲ 0.50% · 4.625%
HK$8,557
+HK$428/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,258/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,319
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,577
−HK$263/mo
Today · 4.125%
HK$8,840
baseline
▲ 0.50% · 4.625%
HK$9,378
+HK$538/mo
Deposit HK$1.22M · loan HK$1.82M · min. income ≈ HK$17,680/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,254
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,503
−HK$251/mo
Today · 4.125%
HK$9,754
baseline
▲ 0.50% · 4.625%
HK$10,268
+HK$514/mo
Deposit HK$1.22M · loan HK$1.82M · min. income ≈ HK$19,508/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,705
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,007
−HK$307/mo
Today · 4.125%
HK$10,314
baseline
▲ 0.50% · 4.625%
HK$10,941
+HK$627/mo
Deposit HK$912K · loan HK$2.13M · min. income ≈ HK$20,628/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,797
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,086
−HK$294/mo
Today · 4.125%
HK$11,380
baseline
▲ 0.50% · 4.625%
HK$11,980
+HK$600/mo
Deposit HK$912K · loan HK$2.13M · min. income ≈ HK$22,760/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,478
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,866
−HK$394/mo
Today · 4.125%
HK$13,260
baseline
▲ 0.50% · 4.625%
HK$14,067
+HK$807/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$26,520/mo (50% DSR)
Upfront cash ≈ HK$304K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,881
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,254
−HK$377/mo
Today · 4.125%
HK$14,631
baseline
▲ 0.50% · 4.625%
HK$15,403
+HK$772/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$29,262/mo (50% DSR)
Upfront cash ≈ HK$304K (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).