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$7,023
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,241
−HK$222/mo
Today · 4.125%
HK$7,463
baseline
▲ 0.50% · 4.625%
HK$7,917
+HK$454/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,926/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,813
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,022
−HK$213/mo
Today · 4.125%
HK$8,235
baseline
▲ 0.50% · 4.625%
HK$8,669
+HK$434/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,470/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,427
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,689
−HK$267/mo
Today · 4.125%
HK$8,956
baseline
▲ 0.50% · 4.625%
HK$9,501
+HK$545/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,912/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,375
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,627
−HK$255/mo
Today · 4.125%
HK$9,882
baseline
▲ 0.50% · 4.625%
HK$10,403
+HK$521/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,764/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,832
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,138
−HK$310/mo
Today · 4.125%
HK$10,448
baseline
▲ 0.50% · 4.625%
HK$11,084
+HK$636/mo
Deposit HK$924K · loan HK$2.16M · min. income ≈ HK$20,896/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,938
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,231
−HK$298/mo
Today · 4.125%
HK$11,529
baseline
▲ 0.50% · 4.625%
HK$12,136
+HK$607/mo
Deposit HK$924K · loan HK$2.16M · min. income ≈ HK$23,058/mo (50% DSR)
Upfront cash ≈ HK$924K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,641
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,034
−HK$399/mo
Today · 4.125%
HK$13,433
baseline
▲ 0.50% · 4.625%
HK$14,251
+HK$818/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,866/mo (50% DSR)
Upfront cash ≈ HK$308K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,063
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,440
−HK$382/mo
Today · 4.125%
HK$14,822
baseline
▲ 0.50% · 4.625%
HK$15,604
+HK$782/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,644/mo (50% DSR)
Upfront cash ≈ HK$308K (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).