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$7,441
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,672
−HK$235/mo
Today · 4.125%
HK$7,907
baseline
▲ 0.50% · 4.625%
HK$8,389
+HK$482/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,814/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,278
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,500
−HK$225/mo
Today · 4.125%
HK$8,725
baseline
▲ 0.50% · 4.625%
HK$9,185
+HK$460/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,450/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,929
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,207
−HK$282/mo
Today · 4.125%
HK$9,489
baseline
▲ 0.50% · 4.625%
HK$10,066
+HK$577/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$18,978/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,933
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,200
−HK$270/mo
Today · 4.125%
HK$10,470
baseline
▲ 0.50% · 4.625%
HK$11,022
+HK$552/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,940/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,417
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,741
−HK$329/mo
Today · 4.125%
HK$11,070
baseline
▲ 0.50% · 4.625%
HK$11,744
+HK$674/mo
Deposit HK$979K · loan HK$2.28M · min. income ≈ HK$22,140/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,589
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,900
−HK$315/mo
Today · 4.125%
HK$12,215
baseline
▲ 0.50% · 4.625%
HK$12,859
+HK$644/mo
Deposit HK$979K · loan HK$2.28M · min. income ≈ HK$24,430/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,393
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,810
−HK$423/mo
Today · 4.125%
HK$14,233
baseline
▲ 0.50% · 4.625%
HK$15,099
+HK$866/mo
Deposit HK$326K · loan HK$2.94M · min. income ≈ HK$28,466/mo (50% DSR)
Upfront cash ≈ HK$326K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,900
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,300
−HK$405/mo
Today · 4.125%
HK$15,705
baseline
▲ 0.50% · 4.625%
HK$16,533
+HK$828/mo
Deposit HK$326K · loan HK$2.94M · min. income ≈ HK$31,410/mo (50% DSR)
Upfront cash ≈ HK$326K (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).