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$6,858
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,072
−HK$216/mo
Today · 4.125%
HK$7,288
baseline
▲ 0.50% · 4.625%
HK$7,732
+HK$444/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,576/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,630
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,834
−HK$208/mo
Today · 4.125%
HK$8,042
baseline
▲ 0.50% · 4.625%
HK$8,466
+HK$424/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,084/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,230
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,486
−HK$260/mo
Today · 4.125%
HK$8,746
baseline
▲ 0.50% · 4.625%
HK$9,278
+HK$532/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,492/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,156
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,401
−HK$249/mo
Today · 4.125%
HK$9,650
baseline
▲ 0.50% · 4.625%
HK$10,159
+HK$509/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,300/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,602
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,900
−HK$304/mo
Today · 4.125%
HK$10,204
baseline
▲ 0.50% · 4.625%
HK$10,825
+HK$621/mo
Deposit HK$902K · loan HK$2.11M · min. income ≈ HK$20,408/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,682
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,968
−HK$291/mo
Today · 4.125%
HK$11,259
baseline
▲ 0.50% · 4.625%
HK$11,852
+HK$593/mo
Deposit HK$902K · loan HK$2.11M · min. income ≈ HK$22,518/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,345
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,729
−HK$390/mo
Today · 4.125%
HK$13,119
baseline
▲ 0.50% · 4.625%
HK$13,917
+HK$798/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,238/mo (50% DSR)
Upfront cash ≈ HK$301K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,734
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,102
−HK$374/mo
Today · 4.125%
HK$14,476
baseline
▲ 0.50% · 4.625%
HK$15,239
+HK$763/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$28,952/mo (50% DSR)
Upfront cash ≈ HK$301K (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).