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$6,450
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,650
−HK$204/mo
Today · 4.125%
HK$6,854
baseline
▲ 0.50% · 4.625%
HK$7,271
+HK$417/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,708/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,175
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,368
−HK$195/mo
Today · 4.125%
HK$7,563
baseline
▲ 0.50% · 4.625%
HK$7,962
+HK$399/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,126/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,740
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,981
−HK$244/mo
Today · 4.125%
HK$8,225
baseline
▲ 0.50% · 4.625%
HK$8,726
+HK$501/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,450/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,610
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,841
−HK$235/mo
Today · 4.125%
HK$9,076
baseline
▲ 0.50% · 4.625%
HK$9,554
+HK$478/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,152/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,030
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,311
−HK$285/mo
Today · 4.125%
HK$9,596
baseline
▲ 0.50% · 4.625%
HK$10,180
+HK$584/mo
Deposit HK$849K · loan HK$1.98M · min. income ≈ HK$19,192/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,046
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,315
−HK$273/mo
Today · 4.125%
HK$10,588
baseline
▲ 0.50% · 4.625%
HK$11,146
+HK$558/mo
Deposit HK$849K · loan HK$1.98M · min. income ≈ HK$21,176/mo (50% DSR)
Upfront cash ≈ HK$849K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,610
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,971
−HK$367/mo
Today · 4.125%
HK$12,338
baseline
▲ 0.50% · 4.625%
HK$13,088
+HK$750/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$24,676/mo (50% DSR)
Upfront cash ≈ HK$283K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,916
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,262
−HK$351/mo
Today · 4.125%
HK$13,613
baseline
▲ 0.50% · 4.625%
HK$14,331
+HK$718/mo
Deposit HK$283K · loan HK$2.55M · min. income ≈ HK$27,226/mo (50% DSR)
Upfront cash ≈ HK$283K (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).