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$7,090
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,311
−HK$224/mo
Today · 4.125%
HK$7,535
baseline
▲ 0.50% · 4.625%
HK$7,993
+HK$458/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,070/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$7,888
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,099
−HK$215/mo
Today · 4.125%
HK$8,314
baseline
▲ 0.50% · 4.625%
HK$8,752
+HK$438/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,628/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$8,508
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,773
−HK$269/mo
Today · 4.125%
HK$9,042
baseline
▲ 0.50% · 4.625%
HK$9,592
+HK$550/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$18,084/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$9,465
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,719
−HK$258/mo
Today · 4.125%
HK$9,977
baseline
▲ 0.50% · 4.625%
HK$10,502
+HK$525/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$19,954/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$9,926
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,235
−HK$314/mo
Today · 4.125%
HK$10,549
baseline
▲ 0.50% · 4.625%
HK$11,190
+HK$641/mo
Deposit HK$933K · loan HK$2.18M · min. income ≈ HK$21,098/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,043
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,339
−HK$300/mo
Today · 4.125%
HK$11,639
baseline
▲ 0.50% · 4.625%
HK$12,253
+HK$614/mo
Deposit HK$933K · loan HK$2.18M · min. income ≈ HK$23,278/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,762
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,159
−HK$404/mo
Today · 4.125%
HK$13,563
baseline
▲ 0.50% · 4.625%
HK$14,388
+HK$825/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,126/mo (50% DSR)
Upfront cash ≈ HK$311K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,198
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,579
−HK$386/mo
Today · 4.125%
HK$14,965
baseline
▲ 0.50% · 4.625%
HK$15,754
+HK$789/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,930/mo (50% DSR)
Upfront cash ≈ HK$311K (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).