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$6,504
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,706
−HK$206/mo
Today · 4.125%
HK$6,912
baseline
▲ 0.50% · 4.625%
HK$7,332
+HK$420/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,824/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$7,235
−HK$391/mo
▼ 0.25% · 3.875%
HK$7,429
−HK$197/mo
Today · 4.125%
HK$7,626
baseline
▲ 0.50% · 4.625%
HK$8,028
+HK$402/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,252/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$7,805
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,047
−HK$247/mo
Today · 4.125%
HK$8,294
baseline
▲ 0.50% · 4.625%
HK$8,799
+HK$505/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,588/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$8,682
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,915
−HK$237/mo
Today · 4.125%
HK$9,152
baseline
▲ 0.50% · 4.625%
HK$9,634
+HK$482/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,304/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$9,105
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,388
−HK$288/mo
Today · 4.125%
HK$9,676
baseline
▲ 0.50% · 4.625%
HK$10,265
+HK$589/mo
Deposit HK$856K · loan HK$2.00M · min. income ≈ HK$19,352/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$10,130
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,401
−HK$276/mo
Today · 4.125%
HK$10,677
baseline
▲ 0.50% · 4.625%
HK$11,240
+HK$563/mo
Deposit HK$856K · loan HK$2.00M · min. income ≈ HK$21,354/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$11,707
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,071
−HK$370/mo
Today · 4.125%
HK$12,441
baseline
▲ 0.50% · 4.625%
HK$13,198
+HK$757/mo
Deposit HK$285K · loan HK$2.57M · min. income ≈ HK$24,882/mo (50% DSR)
Upfront cash ≈ HK$285K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,024
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,373
−HK$354/mo
Today · 4.125%
HK$13,727
baseline
▲ 0.50% · 4.625%
HK$14,451
+HK$724/mo
Deposit HK$285K · loan HK$2.57M · min. income ≈ HK$27,454/mo (50% DSR)
Upfront cash ≈ HK$285K (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).