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$6,571
−HK$412/mo
▼ 0.25% · 3.875%
HK$6,775
−HK$208/mo
Today · 4.125%
HK$6,983
baseline
▲ 0.50% · 4.625%
HK$7,408
+HK$425/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,966/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,310
−HK$395/mo
▼ 0.25% · 3.875%
HK$7,506
−HK$199/mo
Today · 4.125%
HK$7,705
baseline
▲ 0.50% · 4.625%
HK$8,111
+HK$406/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,410/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,885
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,130
−HK$250/mo
Today · 4.125%
HK$8,380
baseline
▲ 0.50% · 4.625%
HK$8,889
+HK$509/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,760/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,772
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,007
−HK$239/mo
Today · 4.125%
HK$9,246
baseline
▲ 0.50% · 4.625%
HK$9,733
+HK$487/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,492/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,199
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,485
−HK$291/mo
Today · 4.125%
HK$9,776
baseline
▲ 0.50% · 4.625%
HK$10,371
+HK$595/mo
Deposit HK$864K · loan HK$2.02M · min. income ≈ HK$19,552/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,234
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,509
−HK$278/mo
Today · 4.125%
HK$10,787
baseline
▲ 0.50% · 4.625%
HK$11,356
+HK$569/mo
Deposit HK$864K · loan HK$2.02M · min. income ≈ HK$21,574/mo (50% DSR)
Upfront cash ≈ HK$865K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,828
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,196
−HK$373/mo
Today · 4.125%
HK$12,569
baseline
▲ 0.50% · 4.625%
HK$13,334
+HK$765/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,138/mo (50% DSR)
Upfront cash ≈ HK$288K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,158
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,511
−HK$358/mo
Today · 4.125%
HK$13,869
baseline
▲ 0.50% · 4.625%
HK$14,600
+HK$731/mo
Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$27,738/mo (50% DSR)
Upfront cash ≈ HK$288K (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).