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$7,559
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,794
−HK$239/mo
Today · 4.125%
HK$8,033
baseline
▲ 0.50% · 4.625%
HK$8,521
+HK$488/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,066/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,409
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,634
−HK$229/mo
Today · 4.125%
HK$8,863
baseline
▲ 0.50% · 4.625%
HK$9,330
+HK$467/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,726/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,070
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,353
−HK$286/mo
Today · 4.125%
HK$9,639
baseline
▲ 0.50% · 4.625%
HK$10,226
+HK$587/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,278/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,091
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,361
−HK$275/mo
Today · 4.125%
HK$10,636
baseline
▲ 0.50% · 4.625%
HK$11,196
+HK$560/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,272/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,582
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,911
−HK$335/mo
Today · 4.125%
HK$11,246
baseline
▲ 0.50% · 4.625%
HK$11,930
+HK$684/mo
Deposit HK$994K · loan HK$2.32M · min. income ≈ HK$22,492/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,772
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,088
−HK$320/mo
Today · 4.125%
HK$12,408
baseline
▲ 0.50% · 4.625%
HK$13,063
+HK$655/mo
Deposit HK$994K · loan HK$2.32M · min. income ≈ HK$24,816/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,606
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,029
−HK$430/mo
Today · 4.125%
HK$14,459
baseline
▲ 0.50% · 4.625%
HK$15,339
+HK$880/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,918/mo (50% DSR)
Upfront cash ≈ HK$332K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,136
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,542
−HK$412/mo
Today · 4.125%
HK$15,954
baseline
▲ 0.50% · 4.625%
HK$16,795
+HK$841/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,908/mo (50% DSR)
Upfront cash ≈ HK$332K (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).