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$7,460
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,692
−HK$236/mo
Today · 4.125%
HK$7,928
baseline
▲ 0.50% · 4.625%
HK$8,410
+HK$482/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,856/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,299
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,522
−HK$225/mo
Today · 4.125%
HK$8,747
baseline
▲ 0.50% · 4.625%
HK$9,209
+HK$462/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,494/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,952
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,230
−HK$283/mo
Today · 4.125%
HK$9,513
baseline
▲ 0.50% · 4.625%
HK$10,092
+HK$579/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$19,026/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,959
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,226
−HK$271/mo
Today · 4.125%
HK$10,497
baseline
▲ 0.50% · 4.625%
HK$11,050
+HK$553/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,994/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,444
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,769
−HK$330/mo
Today · 4.125%
HK$11,099
baseline
▲ 0.50% · 4.625%
HK$11,774
+HK$675/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$22,198/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,619
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,930
−HK$316/mo
Today · 4.125%
HK$12,246
baseline
▲ 0.50% · 4.625%
HK$12,892
+HK$646/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$24,492/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,428
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,846
−HK$424/mo
Today · 4.125%
HK$14,270
baseline
▲ 0.50% · 4.625%
HK$15,138
+HK$868/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$28,540/mo (50% DSR)
Upfront cash ≈ HK$327K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,938
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,339
−HK$406/mo
Today · 4.125%
HK$15,745
baseline
▲ 0.50% · 4.625%
HK$16,575
+HK$830/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,490/mo (50% DSR)
Upfront cash ≈ HK$327K (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).