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$6,726
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,935
−HK$213/mo
Today · 4.125%
HK$7,148
baseline
▲ 0.50% · 4.625%
HK$7,582
+HK$434/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,296/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,482
−HK$405/mo
▼ 0.25% · 3.875%
HK$7,683
−HK$204/mo
Today · 4.125%
HK$7,887
baseline
▲ 0.50% · 4.625%
HK$8,302
+HK$415/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,774/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,071
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,322
−HK$255/mo
Today · 4.125%
HK$8,577
baseline
▲ 0.50% · 4.625%
HK$9,099
+HK$522/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,154/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,979
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,220
−HK$244/mo
Today · 4.125%
HK$9,464
baseline
▲ 0.50% · 4.625%
HK$9,963
+HK$499/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,928/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,416
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,709
−HK$298/mo
Today · 4.125%
HK$10,007
baseline
▲ 0.50% · 4.625%
HK$10,615
+HK$608/mo
Deposit HK$885K · loan HK$2.06M · min. income ≈ HK$20,014/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,475
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,756
−HK$285/mo
Today · 4.125%
HK$11,041
baseline
▲ 0.50% · 4.625%
HK$11,623
+HK$582/mo
Deposit HK$885K · loan HK$2.06M · min. income ≈ HK$22,082/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,106
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,483
−HK$383/mo
Today · 4.125%
HK$12,866
baseline
▲ 0.50% · 4.625%
HK$13,648
+HK$782/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$25,732/mo (50% DSR)
Upfront cash ≈ HK$295K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,468
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,829
−HK$367/mo
Today · 4.125%
HK$14,196
baseline
▲ 0.50% · 4.625%
HK$14,944
+HK$748/mo
Deposit HK$295K · loan HK$2.65M · min. income ≈ HK$28,392/mo (50% DSR)
Upfront cash ≈ HK$295K (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).