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$6,684
−HK$419/mo
▼ 0.25% · 3.875%
HK$6,892
−HK$211/mo
Today · 4.125%
HK$7,103
baseline
▲ 0.50% · 4.625%
HK$7,535
+HK$432/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,206/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,436
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,635
−HK$202/mo
Today · 4.125%
HK$7,837
baseline
▲ 0.50% · 4.625%
HK$8,251
+HK$414/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,674/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,021
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,270
−HK$254/mo
Today · 4.125%
HK$8,524
baseline
▲ 0.50% · 4.625%
HK$9,042
+HK$518/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,048/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,923
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,162
−HK$243/mo
Today · 4.125%
HK$9,405
baseline
▲ 0.50% · 4.625%
HK$9,901
+HK$496/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,810/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,357
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,648
−HK$296/mo
Today · 4.125%
HK$9,944
baseline
▲ 0.50% · 4.625%
HK$10,549
+HK$605/mo
Deposit HK$879K · loan HK$2.05M · min. income ≈ HK$19,888/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,410
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,689
−HK$283/mo
Today · 4.125%
HK$10,972
baseline
▲ 0.50% · 4.625%
HK$11,551
+HK$579/mo
Deposit HK$879K · loan HK$2.05M · min. income ≈ HK$21,944/mo (50% DSR)
Upfront cash ≈ HK$879K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,031
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,405
−HK$380/mo
Today · 4.125%
HK$12,785
baseline
▲ 0.50% · 4.625%
HK$13,563
+HK$778/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$25,570/mo (50% DSR)
Upfront cash ≈ HK$293K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,384
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,743
−HK$364/mo
Today · 4.125%
HK$14,107
baseline
▲ 0.50% · 4.625%
HK$14,851
+HK$744/mo
Deposit HK$293K · loan HK$2.64M · min. income ≈ HK$28,214/mo (50% DSR)
Upfront cash ≈ HK$293K (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).