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$6,710
−HK$421/mo
▼ 0.25% · 3.875%
HK$6,919
−HK$212/mo
Today · 4.125%
HK$7,131
baseline
▲ 0.50% · 4.625%
HK$7,565
+HK$434/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,262/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,465
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,665
−HK$204/mo
Today · 4.125%
HK$7,869
baseline
▲ 0.50% · 4.625%
HK$8,283
+HK$414/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,738/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,053
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,303
−HK$254/mo
Today · 4.125%
HK$8,557
baseline
▲ 0.50% · 4.625%
HK$9,078
+HK$521/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,114/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,958
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,199
−HK$243/mo
Today · 4.125%
HK$9,442
baseline
▲ 0.50% · 4.625%
HK$9,940
+HK$498/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,884/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,395
−HK$589/mo
▼ 0.25% · 3.875%
HK$9,687
−HK$297/mo
Today · 4.125%
HK$9,984
baseline
▲ 0.50% · 4.625%
HK$10,591
+HK$607/mo
Deposit HK$883K · loan HK$2.06M · min. income ≈ HK$19,968/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,451
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,732
−HK$284/mo
Today · 4.125%
HK$11,016
baseline
▲ 0.50% · 4.625%
HK$11,597
+HK$581/mo
Deposit HK$883K · loan HK$2.06M · min. income ≈ HK$22,032/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,079
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,454
−HK$382/mo
Today · 4.125%
HK$12,836
baseline
▲ 0.50% · 4.625%
HK$13,617
+HK$781/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$25,672/mo (50% DSR)
Upfront cash ≈ HK$294K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,438
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,798
−HK$365/mo
Today · 4.125%
HK$14,163
baseline
▲ 0.50% · 4.625%
HK$14,910
+HK$747/mo
Deposit HK$294K · loan HK$2.65M · min. income ≈ HK$28,326/mo (50% DSR)
Upfront cash ≈ HK$294K (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).