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$6,636
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,842
−HK$210/mo
Today · 4.125%
HK$7,052
baseline
▲ 0.50% · 4.625%
HK$7,481
+HK$429/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$14,104/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,382
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,580
−HK$201/mo
Today · 4.125%
HK$7,781
baseline
▲ 0.50% · 4.625%
HK$8,191
+HK$410/mo
Deposit HK$1.45M · loan HK$1.45M · min. income ≈ HK$15,562/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,963
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,210
−HK$252/mo
Today · 4.125%
HK$8,462
baseline
▲ 0.50% · 4.625%
HK$8,977
+HK$515/mo
Deposit HK$1.16M · loan HK$1.75M · min. income ≈ HK$16,924/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,858
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,096
−HK$241/mo
Today · 4.125%
HK$9,337
baseline
▲ 0.50% · 4.625%
HK$9,829
+HK$492/mo
Deposit HK$1.16M · loan HK$1.75M · min. income ≈ HK$18,674/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,290
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,579
−HK$293/mo
Today · 4.125%
HK$9,872
baseline
▲ 0.50% · 4.625%
HK$10,473
+HK$601/mo
Deposit HK$873K · loan HK$2.04M · min. income ≈ HK$19,744/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,335
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,612
−HK$281/mo
Today · 4.125%
HK$10,893
baseline
▲ 0.50% · 4.625%
HK$11,467
+HK$574/mo
Deposit HK$873K · loan HK$2.04M · min. income ≈ HK$21,786/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,944
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,315
−HK$378/mo
Today · 4.125%
HK$12,693
baseline
▲ 0.50% · 4.625%
HK$13,465
+HK$772/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,386/mo (50% DSR)
Upfront cash ≈ HK$291K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,288
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,644
−HK$361/mo
Today · 4.125%
HK$14,005
baseline
▲ 0.50% · 4.625%
HK$14,744
+HK$739/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$28,010/mo (50% DSR)
Upfront cash ≈ HK$291K (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).