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$7,140
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,362
−HK$226/mo
Today · 4.125%
HK$7,588
baseline
▲ 0.50% · 4.625%
HK$8,049
+HK$461/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,176/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,943
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,156
−HK$216/mo
Today · 4.125%
HK$8,372
baseline
▲ 0.50% · 4.625%
HK$8,814
+HK$442/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,744/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,568
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,835
−HK$270/mo
Today · 4.125%
HK$9,105
baseline
▲ 0.50% · 4.625%
HK$9,659
+HK$554/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,210/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,532
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,788
−HK$259/mo
Today · 4.125%
HK$10,047
baseline
▲ 0.50% · 4.625%
HK$10,576
+HK$529/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,094/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,996
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,307
−HK$316/mo
Today · 4.125%
HK$10,623
baseline
▲ 0.50% · 4.625%
HK$11,269
+HK$646/mo
Deposit HK$939K · loan HK$2.19M · min. income ≈ HK$21,246/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,121
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,419
−HK$302/mo
Today · 4.125%
HK$11,721
baseline
▲ 0.50% · 4.625%
HK$12,339
+HK$618/mo
Deposit HK$939K · loan HK$2.19M · min. income ≈ HK$23,442/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,852
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,252
−HK$406/mo
Today · 4.125%
HK$13,658
baseline
▲ 0.50% · 4.625%
HK$14,489
+HK$831/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$27,316/mo (50% DSR)
Upfront cash ≈ HK$313K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,298
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,681
−HK$389/mo
Today · 4.125%
HK$15,070
baseline
▲ 0.50% · 4.625%
HK$15,865
+HK$795/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$30,140/mo (50% DSR)
Upfront cash ≈ HK$313K (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).