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$7,535
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,769
−HK$238/mo
Today · 4.125%
HK$8,007
baseline
▲ 0.50% · 4.625%
HK$8,495
+HK$488/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$16,014/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,382
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,607
−HK$228/mo
Today · 4.125%
HK$8,835
baseline
▲ 0.50% · 4.625%
HK$9,301
+HK$466/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,670/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,042
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,323
−HK$286/mo
Today · 4.125%
HK$9,609
baseline
▲ 0.50% · 4.625%
HK$10,194
+HK$585/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,218/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,059
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,329
−HK$273/mo
Today · 4.125%
HK$10,602
baseline
▲ 0.50% · 4.625%
HK$11,161
+HK$559/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,204/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,549
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,877
−HK$333/mo
Today · 4.125%
HK$11,210
baseline
▲ 0.50% · 4.625%
HK$11,892
+HK$682/mo
Deposit HK$991K · loan HK$2.31M · min. income ≈ HK$22,420/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,735
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,050
−HK$319/mo
Today · 4.125%
HK$12,369
baseline
▲ 0.50% · 4.625%
HK$13,022
+HK$653/mo
Deposit HK$991K · loan HK$2.31M · min. income ≈ HK$24,738/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,563
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,985
−HK$428/mo
Today · 4.125%
HK$14,413
baseline
▲ 0.50% · 4.625%
HK$15,290
+HK$877/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,826/mo (50% DSR)
Upfront cash ≈ HK$331K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,088
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,493
−HK$411/mo
Today · 4.125%
HK$15,904
baseline
▲ 0.50% · 4.625%
HK$16,742
+HK$838/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,808/mo (50% DSR)
Upfront cash ≈ HK$331K (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).