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$7,006
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,223
−HK$222/mo
Today · 4.125%
HK$7,445
baseline
▲ 0.50% · 4.625%
HK$7,898
+HK$453/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,890/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,794
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,003
−HK$212/mo
Today · 4.125%
HK$8,215
baseline
▲ 0.50% · 4.625%
HK$8,648
+HK$433/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,430/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,407
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,668
−HK$266/mo
Today · 4.125%
HK$8,934
baseline
▲ 0.50% · 4.625%
HK$9,477
+HK$543/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,868/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,352
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,603
−HK$255/mo
Today · 4.125%
HK$9,858
baseline
▲ 0.50% · 4.625%
HK$10,377
+HK$519/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,716/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,808
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,113
−HK$310/mo
Today · 4.125%
HK$10,423
baseline
▲ 0.50% · 4.625%
HK$11,057
+HK$634/mo
Deposit HK$922K · loan HK$2.15M · min. income ≈ HK$20,846/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,911
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,204
−HK$296/mo
Today · 4.125%
HK$11,500
baseline
▲ 0.50% · 4.625%
HK$12,107
+HK$607/mo
Deposit HK$922K · loan HK$2.15M · min. income ≈ HK$23,000/mo (50% DSR)
Upfront cash ≈ HK$922K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,610
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,002
−HK$399/mo
Today · 4.125%
HK$13,401
baseline
▲ 0.50% · 4.625%
HK$14,216
+HK$815/mo
Deposit HK$307K · loan HK$2.77M · min. income ≈ HK$26,802/mo (50% DSR)
Upfront cash ≈ HK$307K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,028
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,405
−HK$381/mo
Today · 4.125%
HK$14,786
baseline
▲ 0.50% · 4.625%
HK$15,566
+HK$780/mo
Deposit HK$307K · loan HK$2.77M · min. income ≈ HK$29,572/mo (50% DSR)
Upfront cash ≈ HK$307K (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).