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$7,013
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,231
−HK$221/mo
Today · 4.125%
HK$7,452
baseline
▲ 0.50% · 4.625%
HK$7,906
+HK$454/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,904/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$7,802
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,011
−HK$212/mo
Today · 4.125%
HK$8,223
baseline
▲ 0.50% · 4.625%
HK$8,657
+HK$434/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,446/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$8,415
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,677
−HK$266/mo
Today · 4.125%
HK$8,943
baseline
▲ 0.50% · 4.625%
HK$9,487
+HK$544/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$17,886/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$9,362
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,613
−HK$255/mo
Today · 4.125%
HK$9,868
baseline
▲ 0.50% · 4.625%
HK$10,388
+HK$520/mo
Deposit HK$1.23M · loan HK$1.85M · min. income ≈ HK$19,736/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$9,818
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,123
−HK$310/mo
Today · 4.125%
HK$10,433
baseline
▲ 0.50% · 4.625%
HK$11,068
+HK$635/mo
Deposit HK$923K · loan HK$2.15M · min. income ≈ HK$20,866/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,922
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,215
−HK$297/mo
Today · 4.125%
HK$11,512
baseline
▲ 0.50% · 4.625%
HK$12,119
+HK$607/mo
Deposit HK$923K · loan HK$2.15M · min. income ≈ HK$23,024/mo (50% DSR)
Upfront cash ≈ HK$923K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,623
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,016
−HK$398/mo
Today · 4.125%
HK$13,414
baseline
▲ 0.50% · 4.625%
HK$14,231
+HK$817/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$26,828/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$14,043
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,419
−HK$383/mo
Today · 4.125%
HK$14,802
baseline
▲ 0.50% · 4.625%
HK$15,582
+HK$780/mo
Deposit HK$308K · loan HK$2.77M · min. income ≈ HK$29,604/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).