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$6,848
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,061
−HK$217/mo
Today · 4.125%
HK$7,278
baseline
▲ 0.50% · 4.625%
HK$7,721
+HK$443/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,556/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,619
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,823
−HK$207/mo
Today · 4.125%
HK$8,030
baseline
▲ 0.50% · 4.625%
HK$8,454
+HK$424/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,060/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,218
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,474
−HK$259/mo
Today · 4.125%
HK$8,733
baseline
▲ 0.50% · 4.625%
HK$9,265
+HK$532/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,466/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,143
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,388
−HK$248/mo
Today · 4.125%
HK$9,636
baseline
▲ 0.50% · 4.625%
HK$10,144
+HK$508/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,272/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,588
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,886
−HK$303/mo
Today · 4.125%
HK$10,189
baseline
▲ 0.50% · 4.625%
HK$10,809
+HK$620/mo
Deposit HK$901K · loan HK$2.10M · min. income ≈ HK$20,378/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,666
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,952
−HK$291/mo
Today · 4.125%
HK$11,243
baseline
▲ 0.50% · 4.625%
HK$11,835
+HK$592/mo
Deposit HK$901K · loan HK$2.10M · min. income ≈ HK$22,486/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,327
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,711
−HK$389/mo
Today · 4.125%
HK$13,100
baseline
▲ 0.50% · 4.625%
HK$13,897
+HK$797/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,200/mo (50% DSR)
Upfront cash ≈ HK$300K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,714
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,082
−HK$373/mo
Today · 4.125%
HK$14,455
baseline
▲ 0.50% · 4.625%
HK$15,217
+HK$762/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,910/mo (50% DSR)
Upfront cash ≈ HK$300K (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).