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$7,316
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,543
−HK$231/mo
Today · 4.125%
HK$7,774
baseline
▲ 0.50% · 4.625%
HK$8,248
+HK$474/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,548/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,139
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,357
−HK$221/mo
Today · 4.125%
HK$8,578
baseline
▲ 0.50% · 4.625%
HK$9,031
+HK$453/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,156/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,779
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,052
−HK$277/mo
Today · 4.125%
HK$9,329
baseline
▲ 0.50% · 4.625%
HK$9,897
+HK$568/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,658/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,766
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,028
−HK$266/mo
Today · 4.125%
HK$10,294
baseline
▲ 0.50% · 4.625%
HK$10,837
+HK$543/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,588/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,242
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,561
−HK$323/mo
Today · 4.125%
HK$10,884
baseline
▲ 0.50% · 4.625%
HK$11,547
+HK$663/mo
Deposit HK$962K · loan HK$2.25M · min. income ≈ HK$21,768/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,394
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,700
−HK$310/mo
Today · 4.125%
HK$12,010
baseline
▲ 0.50% · 4.625%
HK$12,643
+HK$633/mo
Deposit HK$962K · loan HK$2.25M · min. income ≈ HK$24,020/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,168
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,578
−HK$416/mo
Today · 4.125%
HK$13,994
baseline
▲ 0.50% · 4.625%
HK$14,846
+HK$852/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$27,988/mo (50% DSR)
Upfront cash ≈ HK$321K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,650
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,042
−HK$399/mo
Today · 4.125%
HK$15,441
baseline
▲ 0.50% · 4.625%
HK$16,255
+HK$814/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,882/mo (50% DSR)
Upfront cash ≈ HK$321K (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).