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$6,528
−HK$409/mo
▼ 0.25% · 3.875%
HK$6,731
−HK$206/mo
Today · 4.125%
HK$6,937
baseline
▲ 0.50% · 4.625%
HK$7,360
+HK$423/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,874/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,262
−HK$393/mo
▼ 0.25% · 3.875%
HK$7,457
−HK$198/mo
Today · 4.125%
HK$7,655
baseline
▲ 0.50% · 4.625%
HK$8,058
+HK$403/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,310/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,834
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,077
−HK$248/mo
Today · 4.125%
HK$8,325
baseline
▲ 0.50% · 4.625%
HK$8,831
+HK$506/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,650/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,715
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,949
−HK$237/mo
Today · 4.125%
HK$9,186
baseline
▲ 0.50% · 4.625%
HK$9,670
+HK$484/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,372/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,139
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,424
−HK$288/mo
Today · 4.125%
HK$9,712
baseline
▲ 0.50% · 4.625%
HK$10,303
+HK$591/mo
Deposit HK$859K · loan HK$2.00M · min. income ≈ HK$19,424/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,167
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,440
−HK$277/mo
Today · 4.125%
HK$10,717
baseline
▲ 0.50% · 4.625%
HK$11,282
+HK$565/mo
Deposit HK$859K · loan HK$2.00M · min. income ≈ HK$21,434/mo (50% DSR)
Upfront cash ≈ HK$859K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,751
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,116
−HK$371/mo
Today · 4.125%
HK$12,487
baseline
▲ 0.50% · 4.625%
HK$13,247
+HK$760/mo
Deposit HK$286K · loan HK$2.58M · min. income ≈ HK$24,974/mo (50% DSR)
Upfront cash ≈ HK$286K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,072
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,423
−HK$356/mo
Today · 4.125%
HK$13,779
baseline
▲ 0.50% · 4.625%
HK$14,505
+HK$726/mo
Deposit HK$286K · loan HK$2.58M · min. income ≈ HK$27,558/mo (50% DSR)
Upfront cash ≈ HK$286K (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).