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$7,223
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,447
−HK$229/mo
Today · 4.125%
HK$7,676
baseline
▲ 0.50% · 4.625%
HK$8,143
+HK$467/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,352/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,035
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,251
−HK$218/mo
Today · 4.125%
HK$8,469
baseline
▲ 0.50% · 4.625%
HK$8,916
+HK$447/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,938/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,667
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,937
−HK$274/mo
Today · 4.125%
HK$9,211
baseline
▲ 0.50% · 4.625%
HK$9,771
+HK$560/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,422/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$9,642
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,901
−HK$262/mo
Today · 4.125%
HK$10,163
baseline
▲ 0.50% · 4.625%
HK$10,699
+HK$536/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,326/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$10,112
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,426
−HK$320/mo
Today · 4.125%
HK$10,746
baseline
▲ 0.50% · 4.625%
HK$11,400
+HK$654/mo
Deposit HK$950K · loan HK$2.22M · min. income ≈ HK$21,492/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,249
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,551
−HK$306/mo
Today · 4.125%
HK$11,857
baseline
▲ 0.50% · 4.625%
HK$12,482
+HK$625/mo
Deposit HK$950K · loan HK$2.22M · min. income ≈ HK$23,714/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,001
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,405
−HK$411/mo
Today · 4.125%
HK$13,816
baseline
▲ 0.50% · 4.625%
HK$14,657
+HK$841/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$27,632/mo (50% DSR)
Upfront cash ≈ HK$317K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,463
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,851
−HK$394/mo
Today · 4.125%
HK$15,245
baseline
▲ 0.50% · 4.625%
HK$16,048
+HK$803/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$30,490/mo (50% DSR)
Upfront cash ≈ HK$317K (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).