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$6,660
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,867
−HK$211/mo
Today · 4.125%
HK$7,078
baseline
▲ 0.50% · 4.625%
HK$7,509
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,156/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,409
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,608
−HK$202/mo
Today · 4.125%
HK$7,810
baseline
▲ 0.50% · 4.625%
HK$8,221
+HK$411/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,620/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,992
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,241
−HK$253/mo
Today · 4.125%
HK$8,494
baseline
▲ 0.50% · 4.625%
HK$9,010
+HK$516/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,988/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,891
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,130
−HK$242/mo
Today · 4.125%
HK$9,372
baseline
▲ 0.50% · 4.625%
HK$9,866
+HK$494/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,744/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,324
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,614
−HK$295/mo
Today · 4.125%
HK$9,909
baseline
▲ 0.50% · 4.625%
HK$10,512
+HK$603/mo
Deposit HK$876K · loan HK$2.04M · min. income ≈ HK$19,818/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,373
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,651
−HK$283/mo
Today · 4.125%
HK$10,934
baseline
▲ 0.50% · 4.625%
HK$11,510
+HK$576/mo
Deposit HK$876K · loan HK$2.04M · min. income ≈ HK$21,868/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,989
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,361
−HK$379/mo
Today · 4.125%
HK$12,740
baseline
▲ 0.50% · 4.625%
HK$13,516
+HK$776/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,480/mo (50% DSR)
Upfront cash ≈ HK$292K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,337
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,695
−HK$363/mo
Today · 4.125%
HK$14,058
baseline
▲ 0.50% · 4.625%
HK$14,799
+HK$741/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,116/mo (50% DSR)
Upfront cash ≈ HK$292K (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).