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$6,593
−HK$414/mo
▼ 0.25% · 3.875%
HK$6,798
−HK$209/mo
Today · 4.125%
HK$7,007
baseline
▲ 0.50% · 4.625%
HK$7,433
+HK$426/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,014/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,335
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,532
−HK$199/mo
Today · 4.125%
HK$7,731
baseline
▲ 0.50% · 4.625%
HK$8,139
+HK$408/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,462/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,912
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,158
−HK$250/mo
Today · 4.125%
HK$8,408
baseline
▲ 0.50% · 4.625%
HK$8,920
+HK$512/mo
Deposit HK$1.16M · loan HK$1.73M · min. income ≈ HK$16,816/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,802
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,038
−HK$239/mo
Today · 4.125%
HK$9,277
baseline
▲ 0.50% · 4.625%
HK$9,766
+HK$489/mo
Deposit HK$1.16M · loan HK$1.73M · min. income ≈ HK$18,554/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,231
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,518
−HK$291/mo
Today · 4.125%
HK$9,809
baseline
▲ 0.50% · 4.625%
HK$10,406
+HK$597/mo
Deposit HK$867K · loan HK$2.02M · min. income ≈ HK$19,618/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,269
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,544
−HK$280/mo
Today · 4.125%
HK$10,824
baseline
▲ 0.50% · 4.625%
HK$11,394
+HK$570/mo
Deposit HK$867K · loan HK$2.02M · min. income ≈ HK$21,648/mo (50% DSR)
Upfront cash ≈ HK$868K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,868
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,237
−HK$375/mo
Today · 4.125%
HK$12,612
baseline
▲ 0.50% · 4.625%
HK$13,379
+HK$767/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$25,224/mo (50% DSR)
Upfront cash ≈ HK$289K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,203
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,557
−HK$359/mo
Today · 4.125%
HK$13,916
baseline
▲ 0.50% · 4.625%
HK$14,650
+HK$734/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$27,832/mo (50% DSR)
Upfront cash ≈ HK$289K (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).