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$6,796
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,007
−HK$215/mo
Today · 4.125%
HK$7,222
baseline
▲ 0.50% · 4.625%
HK$7,661
+HK$439/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,444/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,560
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,763
−HK$206/mo
Today · 4.125%
HK$7,969
baseline
▲ 0.50% · 4.625%
HK$8,389
+HK$420/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,938/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,155
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,409
−HK$257/mo
Today · 4.125%
HK$8,666
baseline
▲ 0.50% · 4.625%
HK$9,194
+HK$528/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,332/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,072
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,316
−HK$246/mo
Today · 4.125%
HK$9,562
baseline
▲ 0.50% · 4.625%
HK$10,067
+HK$505/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,124/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,514
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,810
−HK$301/mo
Today · 4.125%
HK$10,111
baseline
▲ 0.50% · 4.625%
HK$10,726
+HK$615/mo
Deposit HK$894K · loan HK$2.09M · min. income ≈ HK$20,222/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,584
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,868
−HK$288/mo
Today · 4.125%
HK$11,156
baseline
▲ 0.50% · 4.625%
HK$11,744
+HK$588/mo
Deposit HK$894K · loan HK$2.09M · min. income ≈ HK$22,312/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,232
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,613
−HK$387/mo
Today · 4.125%
HK$13,000
baseline
▲ 0.50% · 4.625%
HK$13,791
+HK$791/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$26,000/mo (50% DSR)
Upfront cash ≈ HK$298K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,608
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,973
−HK$371/mo
Today · 4.125%
HK$14,344
baseline
▲ 0.50% · 4.625%
HK$15,100
+HK$756/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$28,688/mo (50% DSR)
Upfront cash ≈ HK$298K (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).