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$6,745
−HK$423/mo
▼ 0.25% · 3.875%
HK$6,954
−HK$214/mo
Today · 4.125%
HK$7,168
baseline
▲ 0.50% · 4.625%
HK$7,604
+HK$436/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,336/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,503
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,704
−HK$205/mo
Today · 4.125%
HK$7,909
baseline
▲ 0.50% · 4.625%
HK$8,326
+HK$417/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,818/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,093
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,345
−HK$256/mo
Today · 4.125%
HK$8,601
baseline
▲ 0.50% · 4.625%
HK$9,124
+HK$523/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,202/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,004
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,245
−HK$245/mo
Today · 4.125%
HK$9,490
baseline
▲ 0.50% · 4.625%
HK$9,991
+HK$501/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,980/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,442
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,736
−HK$299/mo
Today · 4.125%
HK$10,035
baseline
▲ 0.50% · 4.625%
HK$10,645
+HK$610/mo
Deposit HK$887K · loan HK$2.07M · min. income ≈ HK$20,070/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,505
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,786
−HK$286/mo
Today · 4.125%
HK$11,072
baseline
▲ 0.50% · 4.625%
HK$11,656
+HK$584/mo
Deposit HK$887K · loan HK$2.07M · min. income ≈ HK$22,144/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,140
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,518
−HK$384/mo
Today · 4.125%
HK$12,902
baseline
▲ 0.50% · 4.625%
HK$13,687
+HK$785/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$25,804/mo (50% DSR)
Upfront cash ≈ HK$296K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,506
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,868
−HK$368/mo
Today · 4.125%
HK$14,236
baseline
▲ 0.50% · 4.625%
HK$14,986
+HK$750/mo
Deposit HK$296K · loan HK$2.66M · min. income ≈ HK$28,472/mo (50% DSR)
Upfront cash ≈ HK$296K (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).