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$7,108
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,329
−HK$224/mo
Today · 4.125%
HK$7,553
baseline
▲ 0.50% · 4.625%
HK$8,013
+HK$460/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,106/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,907
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,119
−HK$215/mo
Today · 4.125%
HK$8,334
baseline
▲ 0.50% · 4.625%
HK$8,774
+HK$440/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,668/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,529
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,794
−HK$270/mo
Today · 4.125%
HK$9,064
baseline
▲ 0.50% · 4.625%
HK$9,615
+HK$551/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,128/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,488
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,743
−HK$258/mo
Today · 4.125%
HK$10,001
baseline
▲ 0.50% · 4.625%
HK$10,528
+HK$527/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$20,002/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,951
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,260
−HK$314/mo
Today · 4.125%
HK$10,574
baseline
▲ 0.50% · 4.625%
HK$11,218
+HK$644/mo
Deposit HK$935K · loan HK$2.18M · min. income ≈ HK$21,148/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,070
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,367
−HK$301/mo
Today · 4.125%
HK$11,668
baseline
▲ 0.50% · 4.625%
HK$12,283
+HK$615/mo
Deposit HK$935K · loan HK$2.18M · min. income ≈ HK$23,336/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,794
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,191
−HK$405/mo
Today · 4.125%
HK$13,596
baseline
▲ 0.50% · 4.625%
HK$14,423
+HK$827/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$27,192/mo (50% DSR)
Upfront cash ≈ HK$312K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,233
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,614
−HK$388/mo
Today · 4.125%
HK$15,002
baseline
▲ 0.50% · 4.625%
HK$15,792
+HK$790/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$30,004/mo (50% DSR)
Upfront cash ≈ HK$312K (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).