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$7,243
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,468
−HK$229/mo
Today · 4.125%
HK$7,697
baseline
▲ 0.50% · 4.625%
HK$8,165
+HK$468/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,394/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,057
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,274
−HK$219/mo
Today · 4.125%
HK$8,493
baseline
▲ 0.50% · 4.625%
HK$8,940
+HK$447/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,986/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,691
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,962
−HK$274/mo
Today · 4.125%
HK$9,236
baseline
▲ 0.50% · 4.625%
HK$9,798
+HK$562/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$18,472/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,669
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,928
−HK$263/mo
Today · 4.125%
HK$10,191
baseline
▲ 0.50% · 4.625%
HK$10,729
+HK$538/mo
Deposit HK$1.27M · loan HK$1.91M · min. income ≈ HK$20,382/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,140
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,455
−HK$321/mo
Today · 4.125%
HK$10,776
baseline
▲ 0.50% · 4.625%
HK$11,431
+HK$655/mo
Deposit HK$953K · loan HK$2.22M · min. income ≈ HK$21,552/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,280
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,583
−HK$307/mo
Today · 4.125%
HK$11,890
baseline
▲ 0.50% · 4.625%
HK$12,517
+HK$627/mo
Deposit HK$953K · loan HK$2.22M · min. income ≈ HK$23,780/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,037
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,442
−HK$412/mo
Today · 4.125%
HK$13,854
baseline
▲ 0.50% · 4.625%
HK$14,697
+HK$843/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$27,708/mo (50% DSR)
Upfront cash ≈ HK$318K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,503
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,892
−HK$395/mo
Today · 4.125%
HK$15,287
baseline
▲ 0.50% · 4.625%
HK$16,093
+HK$806/mo
Deposit HK$318K · loan HK$2.86M · min. income ≈ HK$30,574/mo (50% DSR)
Upfront cash ≈ HK$318K (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).