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$6,671
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,878
−HK$211/mo
Today · 4.125%
HK$7,089
baseline
▲ 0.50% · 4.625%
HK$7,520
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,178/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,421
−HK$401/mo
▼ 0.25% · 3.875%
HK$7,620
−HK$202/mo
Today · 4.125%
HK$7,822
baseline
▲ 0.50% · 4.625%
HK$8,234
+HK$412/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,644/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,005
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,254
−HK$253/mo
Today · 4.125%
HK$8,507
baseline
▲ 0.50% · 4.625%
HK$9,024
+HK$517/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,014/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,905
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,144
−HK$242/mo
Today · 4.125%
HK$9,386
baseline
▲ 0.50% · 4.625%
HK$9,881
+HK$495/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,772/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,339
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,629
−HK$295/mo
Today · 4.125%
HK$9,924
baseline
▲ 0.50% · 4.625%
HK$10,528
+HK$604/mo
Deposit HK$878K · loan HK$2.05M · min. income ≈ HK$19,848/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,389
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,668
−HK$283/mo
Today · 4.125%
HK$10,951
baseline
▲ 0.50% · 4.625%
HK$11,528
+HK$577/mo
Deposit HK$878K · loan HK$2.05M · min. income ≈ HK$21,902/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,007
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,380
−HK$380/mo
Today · 4.125%
HK$12,760
baseline
▲ 0.50% · 4.625%
HK$13,536
+HK$776/mo
Deposit HK$293K · loan HK$2.63M · min. income ≈ HK$25,520/mo (50% DSR)
Upfront cash ≈ HK$293K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,358
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,716
−HK$363/mo
Today · 4.125%
HK$14,079
baseline
▲ 0.50% · 4.625%
HK$14,821
+HK$742/mo
Deposit HK$293K · loan HK$2.63M · min. income ≈ HK$28,158/mo (50% DSR)
Upfront cash ≈ HK$293K (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).