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$6,902
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,117
−HK$218/mo
Today · 4.125%
HK$7,335
baseline
▲ 0.50% · 4.625%
HK$7,782
+HK$447/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,670/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,679
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,885
−HK$209/mo
Today · 4.125%
HK$8,094
baseline
▲ 0.50% · 4.625%
HK$8,520
+HK$426/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,188/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,283
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,541
−HK$261/mo
Today · 4.125%
HK$8,802
baseline
▲ 0.50% · 4.625%
HK$9,338
+HK$536/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,604/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,215
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,462
−HK$251/mo
Today · 4.125%
HK$9,713
baseline
▲ 0.50% · 4.625%
HK$10,224
+HK$511/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,426/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,663
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,964
−HK$305/mo
Today · 4.125%
HK$10,269
baseline
▲ 0.50% · 4.625%
HK$10,894
+HK$625/mo
Deposit HK$908K · loan HK$2.12M · min. income ≈ HK$20,538/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,750
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,039
−HK$292/mo
Today · 4.125%
HK$11,331
baseline
▲ 0.50% · 4.625%
HK$11,929
+HK$598/mo
Deposit HK$908K · loan HK$2.12M · min. income ≈ HK$22,662/mo (50% DSR)
Upfront cash ≈ HK$908K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,424
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,811
−HK$393/mo
Today · 4.125%
HK$13,204
baseline
▲ 0.50% · 4.625%
HK$14,007
+HK$803/mo
Deposit HK$303K · loan HK$2.72M · min. income ≈ HK$26,408/mo (50% DSR)
Upfront cash ≈ HK$303K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,822
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,193
−HK$376/mo
Today · 4.125%
HK$14,569
baseline
▲ 0.50% · 4.625%
HK$15,337
+HK$768/mo
Deposit HK$303K · loan HK$2.72M · min. income ≈ HK$29,138/mo (50% DSR)
Upfront cash ≈ HK$303K (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).