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$6,834
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,046
−HK$216/mo
Today · 4.125%
HK$7,262
baseline
▲ 0.50% · 4.625%
HK$7,704
+HK$442/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,524/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,602
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,806
−HK$207/mo
Today · 4.125%
HK$8,013
baseline
▲ 0.50% · 4.625%
HK$8,435
+HK$422/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,026/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,200
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,455
−HK$259/mo
Today · 4.125%
HK$8,714
baseline
▲ 0.50% · 4.625%
HK$9,245
+HK$531/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,428/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,123
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,367
−HK$249/mo
Today · 4.125%
HK$9,616
baseline
▲ 0.50% · 4.625%
HK$10,122
+HK$506/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,232/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,567
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,865
−HK$302/mo
Today · 4.125%
HK$10,167
baseline
▲ 0.50% · 4.625%
HK$10,786
+HK$619/mo
Deposit HK$899K · loan HK$2.10M · min. income ≈ HK$20,334/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,643
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,929
−HK$289/mo
Today · 4.125%
HK$11,218
baseline
▲ 0.50% · 4.625%
HK$11,810
+HK$592/mo
Deposit HK$899K · loan HK$2.10M · min. income ≈ HK$22,436/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,300
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,683
−HK$389/mo
Today · 4.125%
HK$13,072
baseline
▲ 0.50% · 4.625%
HK$13,867
+HK$795/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,144/mo (50% DSR)
Upfront cash ≈ HK$300K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,684
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,051
−HK$372/mo
Today · 4.125%
HK$14,423
baseline
▲ 0.50% · 4.625%
HK$15,184
+HK$761/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,846/mo (50% DSR)
Upfront cash ≈ HK$300K (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).