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$7,233
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,458
−HK$229/mo
Today · 4.125%
HK$7,687
baseline
▲ 0.50% · 4.625%
HK$8,155
+HK$468/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$15,374/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$8,047
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,263
−HK$219/mo
Today · 4.125%
HK$8,482
baseline
▲ 0.50% · 4.625%
HK$8,929
+HK$447/mo
Deposit HK$1.59M · loan HK$1.59M · min. income ≈ HK$16,964/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$8,680
−HK$544/mo
▼ 0.25% · 3.875%
HK$8,950
−HK$274/mo
Today · 4.125%
HK$9,224
baseline
▲ 0.50% · 4.625%
HK$9,785
+HK$561/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,448/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$9,656
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,915
−HK$263/mo
Today · 4.125%
HK$10,178
baseline
▲ 0.50% · 4.625%
HK$10,714
+HK$536/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,356/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$10,127
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,442
−HK$320/mo
Today · 4.125%
HK$10,762
baseline
▲ 0.50% · 4.625%
HK$11,416
+HK$654/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$21,524/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,266
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,568
−HK$306/mo
Today · 4.125%
HK$11,874
baseline
▲ 0.50% · 4.625%
HK$12,500
+HK$626/mo
Deposit HK$952K · loan HK$2.22M · min. income ≈ HK$23,748/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,020
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,425
−HK$411/mo
Today · 4.125%
HK$13,836
baseline
▲ 0.50% · 4.625%
HK$14,678
+HK$842/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$27,672/mo (50% DSR)
Upfront cash ≈ HK$317K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,484
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,873
−HK$394/mo
Today · 4.125%
HK$15,267
baseline
▲ 0.50% · 4.625%
HK$16,072
+HK$805/mo
Deposit HK$317K · loan HK$2.85M · min. income ≈ HK$30,534/mo (50% DSR)
Upfront cash ≈ HK$317K (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).