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$6,719
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,928
−HK$212/mo
Today · 4.125%
HK$7,140
baseline
▲ 0.50% · 4.625%
HK$7,575
+HK$435/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,280/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,475
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,675
−HK$204/mo
Today · 4.125%
HK$7,879
baseline
▲ 0.50% · 4.625%
HK$8,294
+HK$415/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,758/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,063
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,314
−HK$254/mo
Today · 4.125%
HK$8,568
baseline
▲ 0.50% · 4.625%
HK$9,090
+HK$522/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,136/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,970
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,210
−HK$244/mo
Today · 4.125%
HK$9,454
baseline
▲ 0.50% · 4.625%
HK$9,953
+HK$499/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,908/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,407
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,699
−HK$298/mo
Today · 4.125%
HK$9,997
baseline
▲ 0.50% · 4.625%
HK$10,605
+HK$608/mo
Deposit HK$884K · loan HK$2.06M · min. income ≈ HK$19,994/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,465
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,745
−HK$285/mo
Today · 4.125%
HK$11,030
baseline
▲ 0.50% · 4.625%
HK$11,612
+HK$582/mo
Deposit HK$884K · loan HK$2.06M · min. income ≈ HK$22,060/mo (50% DSR)
Upfront cash ≈ HK$884K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,094
−HK$759/mo
▼ 0.25% · 3.875%
HK$12,471
−HK$382/mo
Today · 4.125%
HK$12,853
baseline
▲ 0.50% · 4.625%
HK$13,635
+HK$782/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$25,706/mo (50% DSR)
Upfront cash ≈ HK$295K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,455
−HK$727/mo
▼ 0.25% · 3.875%
HK$13,816
−HK$366/mo
Today · 4.125%
HK$14,182
baseline
▲ 0.50% · 4.625%
HK$14,929
+HK$747/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$28,364/mo (50% DSR)
Upfront cash ≈ HK$295K (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).