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$6,508
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,711
−HK$206/mo
Today · 4.125%
HK$6,917
baseline
▲ 0.50% · 4.625%
HK$7,337
+HK$420/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,834/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,241
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,435
−HK$197/mo
Today · 4.125%
HK$7,632
baseline
▲ 0.50% · 4.625%
HK$8,034
+HK$402/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,264/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,810
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,053
−HK$247/mo
Today · 4.125%
HK$8,300
baseline
▲ 0.50% · 4.625%
HK$8,805
+HK$505/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,600/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,689
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,922
−HK$236/mo
Today · 4.125%
HK$9,158
baseline
▲ 0.50% · 4.625%
HK$9,641
+HK$483/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,316/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,112
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,395
−HK$288/mo
Today · 4.125%
HK$9,683
baseline
▲ 0.50% · 4.625%
HK$10,272
+HK$589/mo
Deposit HK$856K · loan HK$2.00M · min. income ≈ HK$19,366/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,137
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,409
−HK$275/mo
Today · 4.125%
HK$10,684
baseline
▲ 0.50% · 4.625%
HK$11,248
+HK$564/mo
Deposit HK$856K · loan HK$2.00M · min. income ≈ HK$21,368/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,715
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,080
−HK$370/mo
Today · 4.125%
HK$12,450
baseline
▲ 0.50% · 4.625%
HK$13,207
+HK$757/mo
Deposit HK$285K · loan HK$2.57M · min. income ≈ HK$24,900/mo (50% DSR)
Upfront cash ≈ HK$286K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,033
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,383
−HK$354/mo
Today · 4.125%
HK$13,737
baseline
▲ 0.50% · 4.625%
HK$14,461
+HK$724/mo
Deposit HK$285K · loan HK$2.57M · min. income ≈ HK$27,474/mo (50% DSR)
Upfront cash ≈ HK$286K (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).