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$7,141
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,363
−HK$226/mo
Today · 4.125%
HK$7,589
baseline
▲ 0.50% · 4.625%
HK$8,050
+HK$461/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,178/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,944
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,157
−HK$216/mo
Today · 4.125%
HK$8,373
baseline
▲ 0.50% · 4.625%
HK$8,815
+HK$442/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,746/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,569
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,836
−HK$270/mo
Today · 4.125%
HK$9,106
baseline
▲ 0.50% · 4.625%
HK$9,661
+HK$555/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,212/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,533
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,789
−HK$259/mo
Today · 4.125%
HK$10,048
baseline
▲ 0.50% · 4.625%
HK$10,578
+HK$530/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,096/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,997
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,308
−HK$316/mo
Today · 4.125%
HK$10,624
baseline
▲ 0.50% · 4.625%
HK$11,271
+HK$647/mo
Deposit HK$939K · loan HK$2.19M · min. income ≈ HK$21,248/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,122
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,420
−HK$303/mo
Today · 4.125%
HK$11,723
baseline
▲ 0.50% · 4.625%
HK$12,341
+HK$618/mo
Deposit HK$939K · loan HK$2.19M · min. income ≈ HK$23,446/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,854
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,254
−HK$406/mo
Today · 4.125%
HK$13,660
baseline
▲ 0.50% · 4.625%
HK$14,491
+HK$831/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$27,320/mo (50% DSR)
Upfront cash ≈ HK$313K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,300
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,683
−HK$389/mo
Today · 4.125%
HK$15,072
baseline
▲ 0.50% · 4.625%
HK$15,867
+HK$795/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$30,144/mo (50% DSR)
Upfront cash ≈ HK$313K (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).