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$7,297
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,524
−HK$230/mo
Today · 4.125%
HK$7,754
baseline
▲ 0.50% · 4.625%
HK$8,226
+HK$472/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,508/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$8,118
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,335
−HK$221/mo
Today · 4.125%
HK$8,556
baseline
▲ 0.50% · 4.625%
HK$9,007
+HK$451/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,112/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$8,756
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,028
−HK$277/mo
Today · 4.125%
HK$9,305
baseline
▲ 0.50% · 4.625%
HK$9,871
+HK$566/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,610/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$9,741
−HK$526/mo
▼ 0.25% · 3.875%
HK$10,002
−HK$265/mo
Today · 4.125%
HK$10,267
baseline
▲ 0.50% · 4.625%
HK$10,809
+HK$542/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,534/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$10,215
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,533
−HK$323/mo
Today · 4.125%
HK$10,856
baseline
▲ 0.50% · 4.625%
HK$11,517
+HK$661/mo
Deposit HK$960K · loan HK$2.24M · min. income ≈ HK$21,712/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,365
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,669
−HK$310/mo
Today · 4.125%
HK$11,979
baseline
▲ 0.50% · 4.625%
HK$12,610
+HK$631/mo
Deposit HK$960K · loan HK$2.24M · min. income ≈ HK$23,958/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,134
−HK$824/mo
▼ 0.25% · 3.875%
HK$13,543
−HK$415/mo
Today · 4.125%
HK$13,958
baseline
▲ 0.50% · 4.625%
HK$14,807
+HK$849/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,916/mo (50% DSR)
Upfront cash ≈ HK$320K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,612
−HK$789/mo
▼ 0.25% · 3.875%
HK$15,004
−HK$397/mo
Today · 4.125%
HK$15,401
baseline
▲ 0.50% · 4.625%
HK$16,213
+HK$812/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,802/mo (50% DSR)
Upfront cash ≈ HK$320K (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).