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$6,582
−HK$413/mo
▼ 0.25% · 3.875%
HK$6,787
−HK$208/mo
Today · 4.125%
HK$6,995
baseline
▲ 0.50% · 4.625%
HK$7,421
+HK$426/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,990/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,323
−HK$396/mo
▼ 0.25% · 3.875%
HK$7,519
−HK$200/mo
Today · 4.125%
HK$7,719
baseline
▲ 0.50% · 4.625%
HK$8,125
+HK$406/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,438/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,899
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,145
−HK$249/mo
Today · 4.125%
HK$8,394
baseline
▲ 0.50% · 4.625%
HK$8,905
+HK$511/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$16,788/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,787
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,023
−HK$239/mo
Today · 4.125%
HK$9,262
baseline
▲ 0.50% · 4.625%
HK$9,750
+HK$488/mo
Deposit HK$1.15M · loan HK$1.73M · min. income ≈ HK$18,524/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,215
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,502
−HK$291/mo
Today · 4.125%
HK$9,793
baseline
▲ 0.50% · 4.625%
HK$10,389
+HK$596/mo
Deposit HK$866K · loan HK$2.02M · min. income ≈ HK$19,586/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,252
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,527
−HK$279/mo
Today · 4.125%
HK$10,806
baseline
▲ 0.50% · 4.625%
HK$11,376
+HK$570/mo
Deposit HK$866K · loan HK$2.02M · min. income ≈ HK$21,612/mo (50% DSR)
Upfront cash ≈ HK$866K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,848
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,217
−HK$374/mo
Today · 4.125%
HK$12,591
baseline
▲ 0.50% · 4.625%
HK$13,358
+HK$767/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$25,182/mo (50% DSR)
Upfront cash ≈ HK$289K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,181
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,535
−HK$358/mo
Today · 4.125%
HK$13,893
baseline
▲ 0.50% · 4.625%
HK$14,626
+HK$733/mo
Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$27,786/mo (50% DSR)
Upfront cash ≈ HK$289K (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).