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$7,020
−HK$440/mo
▼ 0.25% · 3.875%
HK$7,238
−HK$222/mo
Today · 4.125%
HK$7,460
baseline
▲ 0.50% · 4.625%
HK$7,914
+HK$454/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,920/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$7,809
−HK$422/mo
▼ 0.25% · 3.875%
HK$8,019
−HK$212/mo
Today · 4.125%
HK$8,231
baseline
▲ 0.50% · 4.625%
HK$8,665
+HK$434/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,462/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$8,424
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,686
−HK$266/mo
Today · 4.125%
HK$8,952
baseline
▲ 0.50% · 4.625%
HK$9,497
+HK$545/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,904/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$9,371
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,623
−HK$255/mo
Today · 4.125%
HK$9,878
baseline
▲ 0.50% · 4.625%
HK$10,398
+HK$520/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,756/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$9,828
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,133
−HK$311/mo
Today · 4.125%
HK$10,444
baseline
▲ 0.50% · 4.625%
HK$11,079
+HK$635/mo
Deposit HK$924K · loan HK$2.15M · min. income ≈ HK$20,888/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$10,933
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,226
−HK$298/mo
Today · 4.125%
HK$11,524
baseline
▲ 0.50% · 4.625%
HK$12,131
+HK$607/mo
Deposit HK$924K · loan HK$2.15M · min. income ≈ HK$23,048/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$12,636
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,029
−HK$399/mo
Today · 4.125%
HK$13,428
baseline
▲ 0.50% · 4.625%
HK$14,245
+HK$817/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,856/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$14,057
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,434
−HK$382/mo
Today · 4.125%
HK$14,816
baseline
▲ 0.50% · 4.625%
HK$15,597
+HK$781/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,632/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).