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$7,296
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,523
−HK$231/mo
Today · 4.125%
HK$7,754
baseline
▲ 0.50% · 4.625%
HK$8,225
+HK$471/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,508/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,117
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,334
−HK$221/mo
Today · 4.125%
HK$8,555
baseline
▲ 0.50% · 4.625%
HK$9,006
+HK$451/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,110/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,755
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,028
−HK$276/mo
Today · 4.125%
HK$9,304
baseline
▲ 0.50% · 4.625%
HK$9,870
+HK$566/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$18,608/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,740
−HK$526/mo
▼ 0.25% · 3.875%
HK$10,001
−HK$265/mo
Today · 4.125%
HK$10,266
baseline
▲ 0.50% · 4.625%
HK$10,808
+HK$542/mo
Deposit HK$1.28M · loan HK$1.92M · min. income ≈ HK$20,532/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,214
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,532
−HK$323/mo
Today · 4.125%
HK$10,855
baseline
▲ 0.50% · 4.625%
HK$11,516
+HK$661/mo
Deposit HK$960K · loan HK$2.24M · min. income ≈ HK$21,710/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,364
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,668
−HK$309/mo
Today · 4.125%
HK$11,977
baseline
▲ 0.50% · 4.625%
HK$12,609
+HK$632/mo
Deposit HK$960K · loan HK$2.24M · min. income ≈ HK$23,954/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,133
−HK$823/mo
▼ 0.25% · 3.875%
HK$13,541
−HK$415/mo
Today · 4.125%
HK$13,956
baseline
▲ 0.50% · 4.625%
HK$14,806
+HK$850/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$27,912/mo (50% DSR)
Upfront cash ≈ HK$320K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,610
−HK$790/mo
▼ 0.25% · 3.875%
HK$15,002
−HK$398/mo
Today · 4.125%
HK$15,400
baseline
▲ 0.50% · 4.625%
HK$16,211
+HK$811/mo
Deposit HK$320K · loan HK$2.88M · min. income ≈ HK$30,800/mo (50% DSR)
Upfront cash ≈ HK$320K (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).