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$6,547
−HK$410/mo
▼ 0.25% · 3.875%
HK$6,751
−HK$206/mo
Today · 4.125%
HK$6,957
baseline
▲ 0.50% · 4.625%
HK$7,381
+HK$424/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,914/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$7,283
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,479
−HK$198/mo
Today · 4.125%
HK$7,677
baseline
▲ 0.50% · 4.625%
HK$8,082
+HK$405/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,354/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$7,856
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,101
−HK$248/mo
Today · 4.125%
HK$8,349
baseline
▲ 0.50% · 4.625%
HK$8,857
+HK$508/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,698/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$8,740
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,974
−HK$238/mo
Today · 4.125%
HK$9,212
baseline
▲ 0.50% · 4.625%
HK$9,698
+HK$486/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,424/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$9,166
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,451
−HK$289/mo
Today · 4.125%
HK$9,740
baseline
▲ 0.50% · 4.625%
HK$10,333
+HK$593/mo
Deposit HK$861K · loan HK$2.01M · min. income ≈ HK$19,480/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,197
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,470
−HK$278/mo
Today · 4.125%
HK$10,748
baseline
▲ 0.50% · 4.625%
HK$11,314
+HK$566/mo
Deposit HK$861K · loan HK$2.01M · min. income ≈ HK$21,496/mo (50% DSR)
Upfront cash ≈ HK$861K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,784
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,151
−HK$372/mo
Today · 4.125%
HK$12,523
baseline
▲ 0.50% · 4.625%
HK$13,285
+HK$762/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$25,046/mo (50% DSR)
Upfront cash ≈ HK$287K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,110
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,462
−HK$356/mo
Today · 4.125%
HK$13,818
baseline
▲ 0.50% · 4.625%
HK$14,547
+HK$729/mo
Deposit HK$287K · loan HK$2.58M · min. income ≈ HK$27,636/mo (50% DSR)
Upfront cash ≈ HK$287K (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).