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$6,509
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,711
−HK$206/mo
Today · 4.125%
HK$6,917
baseline
▲ 0.50% · 4.625%
HK$7,338
+HK$421/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,834/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,241
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,435
−HK$197/mo
Today · 4.125%
HK$7,632
baseline
▲ 0.50% · 4.625%
HK$8,035
+HK$403/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,264/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,811
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,054
−HK$246/mo
Today · 4.125%
HK$8,300
baseline
▲ 0.50% · 4.625%
HK$8,806
+HK$506/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,600/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,689
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,922
−HK$237/mo
Today · 4.125%
HK$9,159
baseline
▲ 0.50% · 4.625%
HK$9,642
+HK$483/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,318/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,112
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,396
−HK$288/mo
Today · 4.125%
HK$9,684
baseline
▲ 0.50% · 4.625%
HK$10,273
+HK$589/mo
Deposit HK$856K · loan HK$2.00M · min. income ≈ HK$19,368/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,138
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,409
−HK$276/mo
Today · 4.125%
HK$10,685
baseline
▲ 0.50% · 4.625%
HK$11,248
+HK$563/mo
Deposit HK$856K · loan HK$2.00M · min. income ≈ HK$21,370/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,716
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,080
−HK$371/mo
Today · 4.125%
HK$12,451
baseline
▲ 0.50% · 4.625%
HK$13,208
+HK$757/mo
Deposit HK$285K · loan HK$2.57M · min. income ≈ HK$24,902/mo (50% DSR)
Upfront cash ≈ HK$286K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,034
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,383
−HK$355/mo
Today · 4.125%
HK$13,738
baseline
▲ 0.50% · 4.625%
HK$14,462
+HK$724/mo
Deposit HK$285K · loan HK$2.57M · min. income ≈ HK$27,476/mo (50% DSR)
Upfront cash ≈ HK$286K (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).