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$7,002
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,220
−HK$221/mo
Today · 4.125%
HK$7,441
baseline
▲ 0.50% · 4.625%
HK$7,894
+HK$453/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$14,882/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$7,790
−HK$421/mo
▼ 0.25% · 3.875%
HK$7,999
−HK$212/mo
Today · 4.125%
HK$8,211
baseline
▲ 0.50% · 4.625%
HK$8,643
+HK$432/mo
Deposit HK$1.54M · loan HK$1.54M · min. income ≈ HK$16,422/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$8,403
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,664
−HK$266/mo
Today · 4.125%
HK$8,930
baseline
▲ 0.50% · 4.625%
HK$9,473
+HK$543/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,860/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$9,348
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,599
−HK$254/mo
Today · 4.125%
HK$9,853
baseline
▲ 0.50% · 4.625%
HK$10,372
+HK$519/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,706/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$9,803
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,108
−HK$310/mo
Today · 4.125%
HK$10,418
baseline
▲ 0.50% · 4.625%
HK$11,052
+HK$634/mo
Deposit HK$921K · loan HK$2.15M · min. income ≈ HK$20,836/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,906
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,198
−HK$297/mo
Today · 4.125%
HK$11,495
baseline
▲ 0.50% · 4.625%
HK$12,101
+HK$606/mo
Deposit HK$921K · loan HK$2.15M · min. income ≈ HK$22,990/mo (50% DSR)
Upfront cash ≈ HK$921K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,604
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,996
−HK$398/mo
Today · 4.125%
HK$13,394
baseline
▲ 0.50% · 4.625%
HK$14,209
+HK$815/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$26,788/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$14,022
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,398
−HK$381/mo
Today · 4.125%
HK$14,779
baseline
▲ 0.50% · 4.625%
HK$15,558
+HK$779/mo
Deposit HK$307K · loan HK$2.76M · min. income ≈ HK$29,558/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).