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$6,981
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,199
−HK$220/mo
Today · 4.125%
HK$7,419
baseline
▲ 0.50% · 4.625%
HK$7,871
+HK$452/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,838/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,767
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,975
−HK$211/mo
Today · 4.125%
HK$8,186
baseline
▲ 0.50% · 4.625%
HK$8,618
+HK$432/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,372/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,378
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,638
−HK$265/mo
Today · 4.125%
HK$8,903
baseline
▲ 0.50% · 4.625%
HK$9,445
+HK$542/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$17,806/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,320
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,570
−HK$254/mo
Today · 4.125%
HK$9,824
baseline
▲ 0.50% · 4.625%
HK$10,341
+HK$517/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$19,648/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,774
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,078
−HK$309/mo
Today · 4.125%
HK$10,387
baseline
▲ 0.50% · 4.625%
HK$11,019
+HK$632/mo
Deposit HK$919K · loan HK$2.14M · min. income ≈ HK$20,774/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,873
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,165
−HK$296/mo
Today · 4.125%
HK$11,461
baseline
▲ 0.50% · 4.625%
HK$12,065
+HK$604/mo
Deposit HK$919K · loan HK$2.14M · min. income ≈ HK$22,922/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,567
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,957
−HK$398/mo
Today · 4.125%
HK$13,355
baseline
▲ 0.50% · 4.625%
HK$14,167
+HK$812/mo
Deposit HK$306K · loan HK$2.76M · min. income ≈ HK$26,710/mo (50% DSR)
Upfront cash ≈ HK$306K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,980
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,355
−HK$381/mo
Today · 4.125%
HK$14,736
baseline
▲ 0.50% · 4.625%
HK$15,512
+HK$776/mo
Deposit HK$306K · loan HK$2.76M · min. income ≈ HK$29,472/mo (50% DSR)
Upfront cash ≈ HK$306K (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).