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$7,509
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,742
−HK$238/mo
Today · 4.125%
HK$7,980
baseline
▲ 0.50% · 4.625%
HK$8,465
+HK$485/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,960/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,353
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,578
−HK$227/mo
Today · 4.125%
HK$8,805
baseline
▲ 0.50% · 4.625%
HK$9,269
+HK$464/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,610/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,011
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,291
−HK$285/mo
Today · 4.125%
HK$9,576
baseline
▲ 0.50% · 4.625%
HK$10,158
+HK$582/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,152/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,024
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,293
−HK$273/mo
Today · 4.125%
HK$10,566
baseline
▲ 0.50% · 4.625%
HK$11,123
+HK$557/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,132/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,512
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,839
−HK$333/mo
Today · 4.125%
HK$11,172
baseline
▲ 0.50% · 4.625%
HK$11,851
+HK$679/mo
Deposit HK$988K · loan HK$2.31M · min. income ≈ HK$22,344/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,695
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,009
−HK$318/mo
Today · 4.125%
HK$12,327
baseline
▲ 0.50% · 4.625%
HK$12,976
+HK$649/mo
Deposit HK$988K · loan HK$2.31M · min. income ≈ HK$24,654/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,516
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,936
−HK$427/mo
Today · 4.125%
HK$14,363
baseline
▲ 0.50% · 4.625%
HK$15,237
+HK$874/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,726/mo (50% DSR)
Upfront cash ≈ HK$329K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,036
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,440
−HK$409/mo
Today · 4.125%
HK$15,849
baseline
▲ 0.50% · 4.625%
HK$16,684
+HK$835/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,698/mo (50% DSR)
Upfront cash ≈ HK$329K (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).