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$7,215
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,439
−HK$228/mo
Today · 4.125%
HK$7,667
baseline
▲ 0.50% · 4.625%
HK$8,134
+HK$467/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,334/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,026
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,242
−HK$218/mo
Today · 4.125%
HK$8,460
baseline
▲ 0.50% · 4.625%
HK$8,906
+HK$446/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,920/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,658
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,927
−HK$274/mo
Today · 4.125%
HK$9,201
baseline
▲ 0.50% · 4.625%
HK$9,760
+HK$559/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,402/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,632
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,890
−HK$262/mo
Today · 4.125%
HK$10,152
baseline
▲ 0.50% · 4.625%
HK$10,687
+HK$535/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,304/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,101
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,415
−HK$319/mo
Today · 4.125%
HK$10,734
baseline
▲ 0.50% · 4.625%
HK$11,387
+HK$653/mo
Deposit HK$949K · loan HK$2.21M · min. income ≈ HK$21,468/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,237
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,538
−HK$306/mo
Today · 4.125%
HK$11,844
baseline
▲ 0.50% · 4.625%
HK$12,468
+HK$624/mo
Deposit HK$949K · loan HK$2.21M · min. income ≈ HK$23,688/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,987
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,391
−HK$410/mo
Today · 4.125%
HK$13,801
baseline
▲ 0.50% · 4.625%
HK$14,641
+HK$840/mo
Deposit HK$316K · loan HK$2.85M · min. income ≈ HK$27,602/mo (50% DSR)
Upfront cash ≈ HK$317K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,447
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,835
−HK$393/mo
Today · 4.125%
HK$15,228
baseline
▲ 0.50% · 4.625%
HK$16,031
+HK$803/mo
Deposit HK$316K · loan HK$2.85M · min. income ≈ HK$30,456/mo (50% DSR)
Upfront cash ≈ HK$317K (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).