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$7,346
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,575
−HK$232/mo
Today · 4.125%
HK$7,807
baseline
▲ 0.50% · 4.625%
HK$8,282
+HK$475/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,614/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,172
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,392
−HK$222/mo
Today · 4.125%
HK$8,614
baseline
▲ 0.50% · 4.625%
HK$9,068
+HK$454/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,228/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,815
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,090
−HK$278/mo
Today · 4.125%
HK$9,368
baseline
▲ 0.50% · 4.625%
HK$9,938
+HK$570/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,736/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,807
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,070
−HK$267/mo
Today · 4.125%
HK$10,337
baseline
▲ 0.50% · 4.625%
HK$10,882
+HK$545/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,674/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,285
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,604
−HK$325/mo
Today · 4.125%
HK$10,929
baseline
▲ 0.50% · 4.625%
HK$11,595
+HK$666/mo
Deposit HK$966K · loan HK$2.26M · min. income ≈ HK$21,858/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,441
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,748
−HK$312/mo
Today · 4.125%
HK$12,060
baseline
▲ 0.50% · 4.625%
HK$12,695
+HK$635/mo
Deposit HK$966K · loan HK$2.26M · min. income ≈ HK$24,120/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,223
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,634
−HK$418/mo
Today · 4.125%
HK$14,052
baseline
▲ 0.50% · 4.625%
HK$14,907
+HK$855/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$28,104/mo (50% DSR)
Upfront cash ≈ HK$322K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,710
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,105
−HK$400/mo
Today · 4.125%
HK$15,505
baseline
▲ 0.50% · 4.625%
HK$16,323
+HK$818/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$31,010/mo (50% DSR)
Upfront cash ≈ HK$322K (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).