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$6,727
−HK$422/mo
▼ 0.25% · 3.875%
HK$6,936
−HK$213/mo
Today · 4.125%
HK$7,149
baseline
▲ 0.50% · 4.625%
HK$7,584
+HK$435/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,298/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,484
−HK$404/mo
▼ 0.25% · 3.875%
HK$7,684
−HK$204/mo
Today · 4.125%
HK$7,888
baseline
▲ 0.50% · 4.625%
HK$8,304
+HK$416/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,776/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,072
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,323
−HK$255/mo
Today · 4.125%
HK$8,578
baseline
▲ 0.50% · 4.625%
HK$9,100
+HK$522/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$17,156/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,980
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,221
−HK$244/mo
Today · 4.125%
HK$9,465
baseline
▲ 0.50% · 4.625%
HK$9,964
+HK$499/mo
Deposit HK$1.18M · loan HK$1.77M · min. income ≈ HK$18,930/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,418
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,711
−HK$297/mo
Today · 4.125%
HK$10,008
baseline
▲ 0.50% · 4.625%
HK$10,617
+HK$609/mo
Deposit HK$885K · loan HK$2.07M · min. income ≈ HK$20,016/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,477
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,758
−HK$285/mo
Today · 4.125%
HK$11,043
baseline
▲ 0.50% · 4.625%
HK$11,625
+HK$582/mo
Deposit HK$885K · loan HK$2.07M · min. income ≈ HK$22,086/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,108
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,485
−HK$383/mo
Today · 4.125%
HK$12,868
baseline
▲ 0.50% · 4.625%
HK$13,651
+HK$783/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$25,736/mo (50% DSR)
Upfront cash ≈ HK$295K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,470
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,832
−HK$366/mo
Today · 4.125%
HK$14,198
baseline
▲ 0.50% · 4.625%
HK$14,947
+HK$749/mo
Deposit HK$295K · loan HK$2.66M · min. income ≈ HK$28,396/mo (50% DSR)
Upfront cash ≈ HK$295K (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).