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$6,643
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,850
−HK$210/mo
Today · 4.125%
HK$7,060
baseline
▲ 0.50% · 4.625%
HK$7,490
+HK$430/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,120/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$7,391
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,589
−HK$201/mo
Today · 4.125%
HK$7,790
baseline
▲ 0.50% · 4.625%
HK$8,201
+HK$411/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,580/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$7,972
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,220
−HK$252/mo
Today · 4.125%
HK$8,472
baseline
▲ 0.50% · 4.625%
HK$8,988
+HK$516/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,944/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$8,869
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,107
−HK$241/mo
Today · 4.125%
HK$9,348
baseline
▲ 0.50% · 4.625%
HK$9,841
+HK$493/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,696/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$9,301
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,590
−HK$294/mo
Today · 4.125%
HK$9,884
baseline
▲ 0.50% · 4.625%
HK$10,486
+HK$602/mo
Deposit HK$874K · loan HK$2.04M · min. income ≈ HK$19,768/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,347
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,625
−HK$281/mo
Today · 4.125%
HK$10,906
baseline
▲ 0.50% · 4.625%
HK$11,481
+HK$575/mo
Deposit HK$874K · loan HK$2.04M · min. income ≈ HK$21,812/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,958
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,330
−HK$378/mo
Today · 4.125%
HK$12,708
baseline
▲ 0.50% · 4.625%
HK$13,481
+HK$773/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,416/mo (50% DSR)
Upfront cash ≈ HK$291K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,303
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,660
−HK$362/mo
Today · 4.125%
HK$14,022
baseline
▲ 0.50% · 4.625%
HK$14,761
+HK$739/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$28,044/mo (50% DSR)
Upfront cash ≈ HK$291K (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).