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$7,062
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,282
−HK$223/mo
Today · 4.125%
HK$7,505
baseline
▲ 0.50% · 4.625%
HK$7,962
+HK$457/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,010/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,857
−HK$424/mo
▼ 0.25% · 3.875%
HK$8,067
−HK$214/mo
Today · 4.125%
HK$8,281
baseline
▲ 0.50% · 4.625%
HK$8,718
+HK$437/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,562/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,475
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,738
−HK$268/mo
Today · 4.125%
HK$9,006
baseline
▲ 0.50% · 4.625%
HK$9,554
+HK$548/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,012/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,428
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,681
−HK$256/mo
Today · 4.125%
HK$9,937
baseline
▲ 0.50% · 4.625%
HK$10,461
+HK$524/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,874/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,887
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,195
−HK$312/mo
Today · 4.125%
HK$10,507
baseline
▲ 0.50% · 4.625%
HK$11,146
+HK$639/mo
Deposit HK$929K · loan HK$2.17M · min. income ≈ HK$21,014/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,999
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,294
−HK$300/mo
Today · 4.125%
HK$11,594
baseline
▲ 0.50% · 4.625%
HK$12,205
+HK$611/mo
Deposit HK$929K · loan HK$2.17M · min. income ≈ HK$23,188/mo (50% DSR)
Upfront cash ≈ HK$929K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,712
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,107
−HK$402/mo
Today · 4.125%
HK$13,509
baseline
▲ 0.50% · 4.625%
HK$14,331
+HK$822/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,018/mo (50% DSR)
Upfront cash ≈ HK$310K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,142
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,521
−HK$385/mo
Today · 4.125%
HK$14,906
baseline
▲ 0.50% · 4.625%
HK$15,692
+HK$786/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,812/mo (50% DSR)
Upfront cash ≈ HK$310K (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).