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$7,144
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,366
−HK$226/mo
Today · 4.125%
HK$7,592
baseline
▲ 0.50% · 4.625%
HK$8,054
+HK$462/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,184/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$7,948
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,161
−HK$216/mo
Today · 4.125%
HK$8,377
baseline
▲ 0.50% · 4.625%
HK$8,819
+HK$442/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,754/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$8,573
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,840
−HK$270/mo
Today · 4.125%
HK$9,110
baseline
▲ 0.50% · 4.625%
HK$9,665
+HK$555/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,220/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$9,537
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,793
−HK$259/mo
Today · 4.125%
HK$10,052
baseline
▲ 0.50% · 4.625%
HK$10,582
+HK$530/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,104/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$10,002
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,313
−HK$316/mo
Today · 4.125%
HK$10,629
baseline
▲ 0.50% · 4.625%
HK$11,276
+HK$647/mo
Deposit HK$940K · loan HK$2.19M · min. income ≈ HK$21,258/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,127
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,425
−HK$303/mo
Today · 4.125%
HK$11,728
baseline
▲ 0.50% · 4.625%
HK$12,346
+HK$618/mo
Deposit HK$940K · loan HK$2.19M · min. income ≈ HK$23,456/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,859
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,259
−HK$407/mo
Today · 4.125%
HK$13,666
baseline
▲ 0.50% · 4.625%
HK$14,497
+HK$831/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$27,332/mo (50% DSR)
Upfront cash ≈ HK$313K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,306
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,689
−HK$390/mo
Today · 4.125%
HK$15,079
baseline
▲ 0.50% · 4.625%
HK$15,874
+HK$795/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$30,158/mo (50% DSR)
Upfront cash ≈ HK$313K (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).