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$7,397
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,627
−HK$234/mo
Today · 4.125%
HK$7,861
baseline
▲ 0.50% · 4.625%
HK$8,339
+HK$478/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,722/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,229
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,450
−HK$224/mo
Today · 4.125%
HK$8,674
baseline
▲ 0.50% · 4.625%
HK$9,131
+HK$457/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,348/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,876
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,152
−HK$281/mo
Today · 4.125%
HK$9,433
baseline
▲ 0.50% · 4.625%
HK$10,007
+HK$574/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,866/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,875
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,140
−HK$268/mo
Today · 4.125%
HK$10,408
baseline
▲ 0.50% · 4.625%
HK$10,957
+HK$549/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,816/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,356
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,678
−HK$327/mo
Today · 4.125%
HK$11,005
baseline
▲ 0.50% · 4.625%
HK$11,675
+HK$670/mo
Deposit HK$973K · loan HK$2.27M · min. income ≈ HK$22,010/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,520
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,829
−HK$314/mo
Today · 4.125%
HK$12,143
baseline
▲ 0.50% · 4.625%
HK$12,783
+HK$640/mo
Deposit HK$973K · loan HK$2.27M · min. income ≈ HK$24,286/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,314
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,728
−HK$421/mo
Today · 4.125%
HK$14,149
baseline
▲ 0.50% · 4.625%
HK$15,010
+HK$861/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$28,298/mo (50% DSR)
Upfront cash ≈ HK$324K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,812
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,209
−HK$403/mo
Today · 4.125%
HK$15,612
baseline
▲ 0.50% · 4.625%
HK$16,435
+HK$823/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$31,224/mo (50% DSR)
Upfront cash ≈ HK$324K (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).