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$6,890
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,104
−HK$218/mo
Today · 4.125%
HK$7,322
baseline
▲ 0.50% · 4.625%
HK$7,767
+HK$445/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,644/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,665
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,870
−HK$209/mo
Today · 4.125%
HK$8,079
baseline
▲ 0.50% · 4.625%
HK$8,504
+HK$425/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,158/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,267
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,525
−HK$261/mo
Today · 4.125%
HK$8,786
baseline
▲ 0.50% · 4.625%
HK$9,320
+HK$534/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,572/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,197
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,444
−HK$250/mo
Today · 4.125%
HK$9,694
baseline
▲ 0.50% · 4.625%
HK$10,205
+HK$511/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,388/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,645
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,945
−HK$305/mo
Today · 4.125%
HK$10,250
baseline
▲ 0.50% · 4.625%
HK$10,874
+HK$624/mo
Deposit HK$906K · loan HK$2.11M · min. income ≈ HK$20,500/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,730
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,018
−HK$292/mo
Today · 4.125%
HK$11,310
baseline
▲ 0.50% · 4.625%
HK$11,906
+HK$596/mo
Deposit HK$906K · loan HK$2.11M · min. income ≈ HK$22,620/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,401
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,787
−HK$392/mo
Today · 4.125%
HK$13,179
baseline
▲ 0.50% · 4.625%
HK$13,981
+HK$802/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,358/mo (50% DSR)
Upfront cash ≈ HK$302K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,796
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,166
−HK$376/mo
Today · 4.125%
HK$14,542
baseline
▲ 0.50% · 4.625%
HK$15,308
+HK$766/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$29,084/mo (50% DSR)
Upfront cash ≈ HK$302K (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).