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$7,490
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,723
−HK$236/mo
Today · 4.125%
HK$7,959
baseline
▲ 0.50% · 4.625%
HK$8,444
+HK$485/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,918/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$8,332
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,556
−HK$226/mo
Today · 4.125%
HK$8,782
baseline
▲ 0.50% · 4.625%
HK$9,245
+HK$463/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,564/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$8,988
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,267
−HK$284/mo
Today · 4.125%
HK$9,551
baseline
▲ 0.50% · 4.625%
HK$10,132
+HK$581/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,102/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$9,999
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,267
−HK$272/mo
Today · 4.125%
HK$10,539
baseline
▲ 0.50% · 4.625%
HK$11,094
+HK$555/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,078/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$10,486
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,812
−HK$331/mo
Today · 4.125%
HK$11,143
baseline
▲ 0.50% · 4.625%
HK$11,821
+HK$678/mo
Deposit HK$985K · loan HK$2.30M · min. income ≈ HK$22,286/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,665
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,978
−HK$317/mo
Today · 4.125%
HK$12,295
baseline
▲ 0.50% · 4.625%
HK$12,943
+HK$648/mo
Deposit HK$985K · loan HK$2.30M · min. income ≈ HK$24,590/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,481
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,901
−HK$426/mo
Today · 4.125%
HK$14,327
baseline
▲ 0.50% · 4.625%
HK$15,199
+HK$872/mo
Deposit HK$328K · loan HK$2.96M · min. income ≈ HK$28,654/mo (50% DSR)
Upfront cash ≈ HK$329K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,998
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,400
−HK$408/mo
Today · 4.125%
HK$15,808
baseline
▲ 0.50% · 4.625%
HK$16,642
+HK$834/mo
Deposit HK$328K · loan HK$2.96M · min. income ≈ HK$31,616/mo (50% DSR)
Upfront cash ≈ HK$329K (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).