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$6,803
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,015
−HK$215/mo
Today · 4.125%
HK$7,230
baseline
▲ 0.50% · 4.625%
HK$7,670
+HK$440/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,460/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,568
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,771
−HK$206/mo
Today · 4.125%
HK$7,977
baseline
▲ 0.50% · 4.625%
HK$8,398
+HK$421/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,954/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,164
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,418
−HK$258/mo
Today · 4.125%
HK$8,676
baseline
▲ 0.50% · 4.625%
HK$9,203
+HK$527/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,352/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,082
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,325
−HK$248/mo
Today · 4.125%
HK$9,573
baseline
▲ 0.50% · 4.625%
HK$10,077
+HK$504/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,146/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,524
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,820
−HK$301/mo
Today · 4.125%
HK$10,121
baseline
▲ 0.50% · 4.625%
HK$10,737
+HK$616/mo
Deposit HK$895K · loan HK$2.09M · min. income ≈ HK$20,242/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,596
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,880
−HK$288/mo
Today · 4.125%
HK$11,168
baseline
▲ 0.50% · 4.625%
HK$11,757
+HK$589/mo
Deposit HK$895K · loan HK$2.09M · min. income ≈ HK$22,336/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,245
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,626
−HK$387/mo
Today · 4.125%
HK$13,013
baseline
▲ 0.50% · 4.625%
HK$13,805
+HK$792/mo
Deposit HK$298K · loan HK$2.69M · min. income ≈ HK$26,026/mo (50% DSR)
Upfront cash ≈ HK$298K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,623
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,988
−HK$371/mo
Today · 4.125%
HK$14,359
baseline
▲ 0.50% · 4.625%
HK$15,116
+HK$757/mo
Deposit HK$298K · loan HK$2.69M · min. income ≈ HK$28,718/mo (50% DSR)
Upfront cash ≈ HK$298K (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).