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$7,073
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,293
−HK$224/mo
Today · 4.125%
HK$7,517
baseline
▲ 0.50% · 4.625%
HK$7,974
+HK$457/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,034/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,869
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,080
−HK$214/mo
Today · 4.125%
HK$8,294
baseline
▲ 0.50% · 4.625%
HK$8,731
+HK$437/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,588/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,488
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,752
−HK$268/mo
Today · 4.125%
HK$9,020
baseline
▲ 0.50% · 4.625%
HK$9,569
+HK$549/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,040/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,443
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,696
−HK$257/mo
Today · 4.125%
HK$9,953
baseline
▲ 0.50% · 4.625%
HK$10,478
+HK$525/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,906/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,903
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,211
−HK$313/mo
Today · 4.125%
HK$10,524
baseline
▲ 0.50% · 4.625%
HK$11,164
+HK$640/mo
Deposit HK$931K · loan HK$2.17M · min. income ≈ HK$21,048/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,017
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,312
−HK$300/mo
Today · 4.125%
HK$11,612
baseline
▲ 0.50% · 4.625%
HK$12,224
+HK$612/mo
Deposit HK$931K · loan HK$2.17M · min. income ≈ HK$23,224/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,732
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,128
−HK$403/mo
Today · 4.125%
HK$13,531
baseline
▲ 0.50% · 4.625%
HK$14,354
+HK$823/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,062/mo (50% DSR)
Upfront cash ≈ HK$310K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,164
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,544
−HK$386/mo
Today · 4.125%
HK$14,930
baseline
▲ 0.50% · 4.625%
HK$15,717
+HK$787/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,860/mo (50% DSR)
Upfront cash ≈ HK$310K (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).