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$7,332
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,560
−HK$232/mo
Today · 4.125%
HK$7,792
baseline
▲ 0.50% · 4.625%
HK$8,266
+HK$474/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,584/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,157
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,376
−HK$222/mo
Today · 4.125%
HK$8,598
baseline
▲ 0.50% · 4.625%
HK$9,051
+HK$453/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,196/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,799
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,072
−HK$279/mo
Today · 4.125%
HK$9,351
baseline
▲ 0.50% · 4.625%
HK$9,920
+HK$569/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,702/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,789
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,051
−HK$266/mo
Today · 4.125%
HK$10,317
baseline
▲ 0.50% · 4.625%
HK$10,861
+HK$544/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,634/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,265
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,585
−HK$324/mo
Today · 4.125%
HK$10,909
baseline
▲ 0.50% · 4.625%
HK$11,573
+HK$664/mo
Deposit HK$965K · loan HK$2.25M · min. income ≈ HK$21,818/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,420
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,726
−HK$311/mo
Today · 4.125%
HK$12,037
baseline
▲ 0.50% · 4.625%
HK$12,671
+HK$634/mo
Deposit HK$965K · loan HK$2.25M · min. income ≈ HK$24,074/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,198
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,609
−HK$417/mo
Today · 4.125%
HK$14,026
baseline
▲ 0.50% · 4.625%
HK$14,879
+HK$853/mo
Deposit HK$322K · loan HK$2.89M · min. income ≈ HK$28,052/mo (50% DSR)
Upfront cash ≈ HK$322K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,683
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,077
−HK$399/mo
Today · 4.125%
HK$15,476
baseline
▲ 0.50% · 4.625%
HK$16,292
+HK$816/mo
Deposit HK$322K · loan HK$2.89M · min. income ≈ HK$30,952/mo (50% DSR)
Upfront cash ≈ HK$322K (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).