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$6,825
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,038
−HK$215/mo
Today · 4.125%
HK$7,253
baseline
▲ 0.50% · 4.625%
HK$7,695
+HK$442/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,506/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,593
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,797
−HK$206/mo
Today · 4.125%
HK$8,003
baseline
▲ 0.50% · 4.625%
HK$8,425
+HK$422/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,006/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,190
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,445
−HK$259/mo
Today · 4.125%
HK$8,704
baseline
▲ 0.50% · 4.625%
HK$9,234
+HK$530/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,408/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,112
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,356
−HK$248/mo
Today · 4.125%
HK$9,604
baseline
▲ 0.50% · 4.625%
HK$10,110
+HK$506/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,208/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,556
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,853
−HK$302/mo
Today · 4.125%
HK$10,155
baseline
▲ 0.50% · 4.625%
HK$10,773
+HK$618/mo
Deposit HK$898K · loan HK$2.10M · min. income ≈ HK$20,310/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,630
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,916
−HK$289/mo
Today · 4.125%
HK$11,205
baseline
▲ 0.50% · 4.625%
HK$11,795
+HK$590/mo
Deposit HK$898K · loan HK$2.10M · min. income ≈ HK$22,410/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,286
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,668
−HK$388/mo
Today · 4.125%
HK$13,056
baseline
▲ 0.50% · 4.625%
HK$13,851
+HK$795/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,112/mo (50% DSR)
Upfront cash ≈ HK$299K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,668
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,034
−HK$372/mo
Today · 4.125%
HK$14,406
baseline
▲ 0.50% · 4.625%
HK$15,165
+HK$759/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,812/mo (50% DSR)
Upfront cash ≈ HK$299K (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).