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$7,154
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,376
−HK$226/mo
Today · 4.125%
HK$7,602
baseline
▲ 0.50% · 4.625%
HK$8,065
+HK$463/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,204/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$7,958
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,172
−HK$216/mo
Today · 4.125%
HK$8,388
baseline
▲ 0.50% · 4.625%
HK$8,830
+HK$442/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,776/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$8,584
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,851
−HK$272/mo
Today · 4.125%
HK$9,123
baseline
▲ 0.50% · 4.625%
HK$9,678
+HK$555/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,246/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$9,550
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,806
−HK$260/mo
Today · 4.125%
HK$10,066
baseline
▲ 0.50% · 4.625%
HK$10,596
+HK$530/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,132/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$10,015
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,326
−HK$317/mo
Today · 4.125%
HK$10,643
baseline
▲ 0.50% · 4.625%
HK$11,291
+HK$648/mo
Deposit HK$941K · loan HK$2.20M · min. income ≈ HK$21,286/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,141
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,440
−HK$303/mo
Today · 4.125%
HK$11,743
baseline
▲ 0.50% · 4.625%
HK$12,362
+HK$619/mo
Deposit HK$941K · loan HK$2.20M · min. income ≈ HK$23,486/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,876
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,277
−HK$407/mo
Today · 4.125%
HK$13,684
baseline
▲ 0.50% · 4.625%
HK$14,516
+HK$832/mo
Deposit HK$314K · loan HK$2.82M · min. income ≈ HK$27,368/mo (50% DSR)
Upfront cash ≈ HK$314K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,325
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,709
−HK$390/mo
Today · 4.125%
HK$15,099
baseline
▲ 0.50% · 4.625%
HK$15,895
+HK$796/mo
Deposit HK$314K · loan HK$2.82M · min. income ≈ HK$30,198/mo (50% DSR)
Upfront cash ≈ HK$314K (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).