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$7,405
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,635
−HK$234/mo
Today · 4.125%
HK$7,869
baseline
▲ 0.50% · 4.625%
HK$8,348
+HK$479/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,738/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,238
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,459
−HK$224/mo
Today · 4.125%
HK$8,683
baseline
▲ 0.50% · 4.625%
HK$9,141
+HK$458/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,366/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,886
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,162
−HK$281/mo
Today · 4.125%
HK$9,443
baseline
▲ 0.50% · 4.625%
HK$10,018
+HK$575/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,886/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,885
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,151
−HK$269/mo
Today · 4.125%
HK$10,420
baseline
▲ 0.50% · 4.625%
HK$10,969
+HK$549/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,840/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,367
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,689
−HK$328/mo
Today · 4.125%
HK$11,017
baseline
▲ 0.50% · 4.625%
HK$11,687
+HK$670/mo
Deposit HK$974K · loan HK$2.27M · min. income ≈ HK$22,034/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,533
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,842
−HK$314/mo
Today · 4.125%
HK$12,156
baseline
▲ 0.50% · 4.625%
HK$12,797
+HK$641/mo
Deposit HK$974K · loan HK$2.27M · min. income ≈ HK$24,312/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,329
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,743
−HK$422/mo
Today · 4.125%
HK$14,165
baseline
▲ 0.50% · 4.625%
HK$15,027
+HK$862/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$28,330/mo (50% DSR)
Upfront cash ≈ HK$325K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,828
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,226
−HK$403/mo
Today · 4.125%
HK$15,629
baseline
▲ 0.50% · 4.625%
HK$16,453
+HK$824/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$31,258/mo (50% DSR)
Upfront cash ≈ HK$325K (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).