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$7,102
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,323
−HK$224/mo
Today · 4.125%
HK$7,547
baseline
▲ 0.50% · 4.625%
HK$8,007
+HK$460/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,094/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,901
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,113
−HK$215/mo
Today · 4.125%
HK$8,328
baseline
▲ 0.50% · 4.625%
HK$8,767
+HK$439/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,656/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,522
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,788
−HK$269/mo
Today · 4.125%
HK$9,057
baseline
▲ 0.50% · 4.625%
HK$9,608
+HK$551/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,114/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,481
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,735
−HK$258/mo
Today · 4.125%
HK$9,993
baseline
▲ 0.50% · 4.625%
HK$10,520
+HK$527/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$19,986/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,943
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,252
−HK$314/mo
Today · 4.125%
HK$10,566
baseline
▲ 0.50% · 4.625%
HK$11,209
+HK$643/mo
Deposit HK$934K · loan HK$2.18M · min. income ≈ HK$21,132/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,061
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,358
−HK$301/mo
Today · 4.125%
HK$11,659
baseline
▲ 0.50% · 4.625%
HK$12,274
+HK$615/mo
Deposit HK$934K · loan HK$2.18M · min. income ≈ HK$23,318/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,784
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,181
−HK$404/mo
Today · 4.125%
HK$13,585
baseline
▲ 0.50% · 4.625%
HK$14,412
+HK$827/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,170/mo (50% DSR)
Upfront cash ≈ HK$312K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,222
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,603
−HK$387/mo
Today · 4.125%
HK$14,990
baseline
▲ 0.50% · 4.625%
HK$15,780
+HK$790/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,980/mo (50% DSR)
Upfront cash ≈ HK$312K (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).