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$7,318
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,545
−HK$232/mo
Today · 4.125%
HK$7,777
baseline
▲ 0.50% · 4.625%
HK$8,250
+HK$473/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$15,554/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$8,141
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,359
−HK$222/mo
Today · 4.125%
HK$8,581
baseline
▲ 0.50% · 4.625%
HK$9,033
+HK$452/mo
Deposit HK$1.60M · loan HK$1.60M · min. income ≈ HK$17,162/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$8,781
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,054
−HK$278/mo
Today · 4.125%
HK$9,332
baseline
▲ 0.50% · 4.625%
HK$9,900
+HK$568/mo
Deposit HK$1.28M · loan HK$1.93M · min. income ≈ HK$18,664/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$9,769
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,031
−HK$266/mo
Today · 4.125%
HK$10,297
baseline
▲ 0.50% · 4.625%
HK$10,840
+HK$543/mo
Deposit HK$1.28M · loan HK$1.93M · min. income ≈ HK$20,594/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$10,245
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,564
−HK$323/mo
Today · 4.125%
HK$10,887
baseline
▲ 0.50% · 4.625%
HK$11,550
+HK$663/mo
Deposit HK$963K · loan HK$2.25M · min. income ≈ HK$21,774/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,397
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,703
−HK$310/mo
Today · 4.125%
HK$12,013
baseline
▲ 0.50% · 4.625%
HK$12,646
+HK$633/mo
Deposit HK$963K · loan HK$2.25M · min. income ≈ HK$24,026/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,172
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,582
−HK$416/mo
Today · 4.125%
HK$13,998
baseline
▲ 0.50% · 4.625%
HK$14,850
+HK$852/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$27,996/mo (50% DSR)
Upfront cash ≈ HK$321K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,654
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,047
−HK$398/mo
Today · 4.125%
HK$15,445
baseline
▲ 0.50% · 4.625%
HK$16,260
+HK$815/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,890/mo (50% DSR)
Upfront cash ≈ HK$321K (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).