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$6,443
−HK$405/mo
▼ 0.25% · 3.875%
HK$6,644
−HK$204/mo
Today · 4.125%
HK$6,848
baseline
▲ 0.50% · 4.625%
HK$7,264
+HK$416/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,696/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,168
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,361
−HK$195/mo
Today · 4.125%
HK$7,556
baseline
▲ 0.50% · 4.625%
HK$7,954
+HK$398/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,112/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,732
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,973
−HK$244/mo
Today · 4.125%
HK$8,217
baseline
▲ 0.50% · 4.625%
HK$8,717
+HK$500/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,434/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,602
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,833
−HK$234/mo
Today · 4.125%
HK$9,067
baseline
▲ 0.50% · 4.625%
HK$9,545
+HK$478/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,134/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,021
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,301
−HK$286/mo
Today · 4.125%
HK$9,587
baseline
▲ 0.50% · 4.625%
HK$10,170
+HK$583/mo
Deposit HK$848K · loan HK$1.98M · min. income ≈ HK$19,174/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,036
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,305
−HK$273/mo
Today · 4.125%
HK$10,578
baseline
▲ 0.50% · 4.625%
HK$11,135
+HK$557/mo
Deposit HK$848K · loan HK$1.98M · min. income ≈ HK$21,156/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,598
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,959
−HK$367/mo
Today · 4.125%
HK$12,326
baseline
▲ 0.50% · 4.625%
HK$13,076
+HK$750/mo
Deposit HK$283K · loan HK$2.54M · min. income ≈ HK$24,652/mo (50% DSR)
Upfront cash ≈ HK$283K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,903
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,249
−HK$351/mo
Today · 4.125%
HK$13,600
baseline
▲ 0.50% · 4.625%
HK$14,317
+HK$717/mo
Deposit HK$283K · loan HK$2.54M · min. income ≈ HK$27,200/mo (50% DSR)
Upfront cash ≈ HK$283K (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).