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$6,646
−HK$416/mo
▼ 0.25% · 3.875%
HK$6,852
−HK$210/mo
Today · 4.125%
HK$7,062
baseline
▲ 0.50% · 4.625%
HK$7,492
+HK$430/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,124/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$7,393
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,591
−HK$202/mo
Today · 4.125%
HK$7,793
baseline
▲ 0.50% · 4.625%
HK$8,203
+HK$410/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,586/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$7,975
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,223
−HK$252/mo
Today · 4.125%
HK$8,475
baseline
▲ 0.50% · 4.625%
HK$8,990
+HK$515/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,950/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,872
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,110
−HK$241/mo
Today · 4.125%
HK$9,351
baseline
▲ 0.50% · 4.625%
HK$9,844
+HK$493/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,702/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,304
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,593
−HK$294/mo
Today · 4.125%
HK$9,887
baseline
▲ 0.50% · 4.625%
HK$10,489
+HK$602/mo
Deposit HK$874K · loan HK$2.04M · min. income ≈ HK$19,774/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,350
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,628
−HK$282/mo
Today · 4.125%
HK$10,910
baseline
▲ 0.50% · 4.625%
HK$11,485
+HK$575/mo
Deposit HK$874K · loan HK$2.04M · min. income ≈ HK$21,820/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,962
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,334
−HK$378/mo
Today · 4.125%
HK$12,712
baseline
▲ 0.50% · 4.625%
HK$13,486
+HK$774/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,424/mo (50% DSR)
Upfront cash ≈ HK$292K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,308
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,665
−HK$362/mo
Today · 4.125%
HK$14,027
baseline
▲ 0.50% · 4.625%
HK$14,766
+HK$739/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$28,054/mo (50% DSR)
Upfront cash ≈ HK$292K (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).