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$6,529
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,732
−HK$206/mo
Today · 4.125%
HK$6,938
baseline
▲ 0.50% · 4.625%
HK$7,361
+HK$423/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,876/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$7,263
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,458
−HK$198/mo
Today · 4.125%
HK$7,656
baseline
▲ 0.50% · 4.625%
HK$8,059
+HK$403/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,312/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$7,835
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,079
−HK$247/mo
Today · 4.125%
HK$8,326
baseline
▲ 0.50% · 4.625%
HK$8,833
+HK$507/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,652/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,716
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,950
−HK$237/mo
Today · 4.125%
HK$9,187
baseline
▲ 0.50% · 4.625%
HK$9,671
+HK$484/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,374/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,141
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,425
−HK$289/mo
Today · 4.125%
HK$9,714
baseline
▲ 0.50% · 4.625%
HK$10,305
+HK$591/mo
Deposit HK$859K · loan HK$2.00M · min. income ≈ HK$19,428/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,169
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,442
−HK$276/mo
Today · 4.125%
HK$10,718
baseline
▲ 0.50% · 4.625%
HK$11,283
+HK$565/mo
Deposit HK$859K · loan HK$2.00M · min. income ≈ HK$21,436/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,752
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,118
−HK$371/mo
Today · 4.125%
HK$12,489
baseline
▲ 0.50% · 4.625%
HK$13,249
+HK$760/mo
Deposit HK$286K · loan HK$2.58M · min. income ≈ HK$24,978/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$13,074
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,425
−HK$356/mo
Today · 4.125%
HK$13,781
baseline
▲ 0.50% · 4.625%
HK$14,507
+HK$726/mo
Deposit HK$286K · loan HK$2.58M · min. income ≈ HK$27,562/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).